Charlotte Higgins has over 10 years of experience in client relations and brokering roles in the insurance and structured settlement industries. She is highly motivated, organized, and skilled in relationship building. Her career has included roles at BMS Harris Dixon Marine, PriceForbes and Partners Ltd, and Atlas Settlements Group, where she has gained experience in areas such as marine insurance, client management, marketing, and database upkeep. She is looking to leverage her strong communication and administrative skills.

1. Charlotte Higgins
10 Eglington Road,
North Chingford,
London, E4 7AN
Email Address: char01higgins@outlook.com
Mobile Number: 07961931642
Profile:
I am an extremely enthusiasticindividualwhois motivated, hard working and eagerto learn.I am really determinedand enjoy
challenges set. I havebeenplacedin positions oftrust with a greatdealofresponsibility. I am committed,trustworthy andI
enjoy meeting new people.
Key Skills:
 Proven abilityto organise,prioritise andwork ina team andby myself.
 Ability to use myinitiative toachieve the task at hand.
 Solid relationshipskills thus enabling meto work wellwith clients andcolleagues.
Qualifications:
 LMAInsurance examination
 3 ‘A.S Levels -HomeEconomics, Geography,Textiles. AllA –C
 9 GCSEs: English, English literature, Maths,French,Geography, Home Economics, doubleScience, Music–All A-C.
Career History:
BMS - Harris Dixon Marine July 14 -Present
Client relationship, Marine Hulltechnician
Profile:
The Marine team at BMS offers innovative solutions for all classes ofMarineInsurance, placed withunderwriters in allthe
major insuranceand reinsurancemarkets ensuring allclients requirements are cateredfor.
Responsibilities:
 Account handler- managing allocatedaccounts within theHull& Machinery team frominitial instructionthroughto
submitting formal documentation tothebureau.
 Placing the following classes ofbusiness; War,Hulland Machinery, Mortgagees Interest, Kidnap and Ransom, Lossof
Hire, Piracy.
 Creating slips andendorsements for Insurers within the LondonandOverseas Markets as well as maintaining strong
relationships.
 Managing KidnapandRansombook ofbusiness which includes negotiating rates withunderwriters, handling all
correspondenceand making sureall payments aremadeon timeand submitted tothebureau ifnecessary.
 Creating documentation such as Letters ofundertaking, covernotes, debit/creditnotes.
 Organising and prioritising workload toensuretheaccounts I handle areefficientandexceedour clients
expectations.
 Accurate entry ofattentionto detail fromstart tofinishofaccounts onEclipse (companies system) to ensureall
systems and controls are adheredtoo.
Achievements:
 Appointed Manager ofKidnap andRansom book ofbusiness tomanageacross allaccounts as well as my allocated
accounts within4 months at BMS, ensuring alldocumentation, slips, data entry and payments are completed within
the correct timeframe.
 Given allocated accounts enabling meto takeon responsibility for each class of business fromstart tofinish.
 Each allocated account is at a reasonable sizeand haveprovento work wellwithina busy team.

2. PriceForbes and Partners Ltd May 12 –July 14
Client relationship, Marine broker technician
Profile:
The marineteamatPriceForbes & Partners handles aninternational portfolioofdirect and reinsurancebusiness, placed with
underwriters in allthemajor insurance andreinsurancemarkets,including mutualand fixed P&I carriers.
Clients rangefrom a widevariety ofmaritime nations and industries, andthemarineteamhas thebreadthanddepthof
expertisenecessary to respond to clients’ needs.
Responsibilities:
 Broker SupportTechnician working in a busy MarineTeam of25 people
 Covered areas include Hull& Machinery,Protection& Indemnity, MarineLiability both Primary, Excess and
Umbrella butspecialisein MarineLiability
 Creating documents from clients which include slips for severalMarkets andEndorsements to the risk.
 Ensure the Underwriterhas the maximumamount ofinformationon each riskto ensurethebestPremiumis
quoted.
 Managing and maintaining certainaccounts for oversea clients mainly basedin the USA.
 Handling accuratecompletion ofTWINS Risk entry using details containedwithin theMRC Slip andPlacing Fileto
fully completetheentry ofeach risk.
 Oversight andmanagement ofa teamoftwo individuals toensurecontent is accurate so that wearewellplacedfor
the potentialrenewal ofcovers.
 Manager oftheExcess Protection andIndemnity book ofbusiness.
 Sourcing andmaintaining strong relationships withClients and leads intoLondonMarketandwith a number of
Lloyd’s Syndicates, TPA’s and other key Market participants.
 Regular communicationwith our RetailAgents toobtain thebest terms and conditions for the Assured.
 Organising and prioritising workload efficiently and effectively for myselfas wellas my team inorder tomeethigh
level targets.
 Ensuring systems andcontrols are adheredto.
Achievements:
 Appointed managerofa smallteamoftwo,predominantly focussing on cover renewals.
 Passed the LMA examinationwithin6 months ofworking atPriceForbes –I studiedin my own timein additionto
working 8am-6pm.
 Successfully handledandmanaged theExcess Protectionand Indemnity book ofbusiness, ensuring I kept on top of
all renewals,newbusiness and comparing accounts from previous years.
 My ability tolearn quickly enabledmeto gain exposureto alllines ofbusiness that theMarineteamhandlein a
short spaceoftime.
 Successfully utilised my existing relationships withintheMarketplace,positioning myselfas the“go to”person
within my team.
Atlas Settlements Group Feb 09 –Feb 12
Assistant to Director/Marketing Executive
Profile:
Atlas Settlements are a structuredsettlement Organisation thatspecialises in US casualty claims. Our roleis to try andsettle
cases for thelowestamount for ourLondonclients inorder tomaximise return for the claimantby buying annuity’s and
structuring a life careplanfor a larger amount over a longer periodoftime, taxfreefor as long as they live.
Responsibilities:
 Working closely withtheDirector ofour London office.
 Generating newbusiness by regularlymeeting new clients atmarketing functions.
 Promoting the business to a varietyof prospective clients.
 Attending GNOBFA/Mariners conferenceheld yearlyin NewOrleans and Houston.
 Gathering case information.
 Entering casedetails via the AGGI database ofongoing and settledcases, updating new details whennecessary.
 Regular communicationwith our US offices ensuring they are always updatedwith movement oncases or mediation
dates.
 Compare production business reports fromboth ourNew YorkandAtlanta offices.
 Submitting companies expenses.
 Maintain strong working relationships witha number ofLloyd’s Syndicates,TPA’s andLondonMarketCompanies
dealing withboth Underwriters and Claims personnel.
 Organising travel arrangements totheUS.
 Organising and attending Marketmeeting’s with theDirector.

3. Achievements:
 Instrumentalintheinitial discussion process throughto implementation with regards tonewbusiness and new
clients on a number ofoccasions.
 Proactively pursued new markets andavenues for expansionalthoughthis was out ofmy remitin relation tomy job
title.
 Successfully coordinated a numberofmarketing events and meetings bothin the UKas wellas overseas (USA).
Various tempingpositions in theCity as a PA/secretary Jan 07 –Feb 09
My responsibilities in thesejobs weresimilarwhich included:
 Answering phones (busy switchboard)
 Greeting clients
 Booking/organising meetings
 Ordering stationary
 Organising events
 Promoting events
 Dealing withgeneralenquires
 Use ofExcel, Microsoft word,Outlook Express and calendar
 Spread sheets
 Organising data base
 Keeping records ofaccounts
 Reaching targets
 Sorting incoming and outgoing post
 Resolving post salequeries
Higgins Construction Ltd Aug 05 –Sept 05
Office assistant–work experience
 Presentation skills
 Secretarialwork
 Answering phones
 Dealing withproblems in aftersales
 Organising events
 Faxing
 Photocopying
 Computer skills such as:MS word, MS excel
 Sending emails
References: Availableon request