Crystal Session has over 30 years of experience in customer service, human resources, and insurance. She has held positions as a Commercial Lines Account Manager, Client Service Associate, and Director of Property and Casualty. Her experience includes servicing accounts, developing marketing plans, managing carrier relationships, and training employees. She has a background in various lines of business such as general liability, property, professional liability, and workers' compensation across different industries.
INTRODUCTION
A business plan is an important document for any business and it can be written for a variety of reasons.
Internally, it can help owners and managers crystallise their ideas, focus their efforts and monitor performance against established objectives.
Externally, the business plan can act as a medium for attracting finance for start-ups or expansion.
INTRODUCTION
For many people, the experience of raising finance is a new one.
Many opportunities presented to financiers are subsequently rejected.
It is essential, therefore, that the entrepreneur prepares a quality document.
The objective of this work-pack is to help you prepare just such a document by providing you with the headings which need to be covered.
CONTENTS
The business plan should summarise the proposed activity and the prospects for success for the venture, paying particular attention to factors that are critical to success or failure.
The contents should be tailored to the particular individual requirements, circumstances or characteristics of the proposal.
In general, they have the following categories:
CONTENTS
Executive Summary
Current position
Objectives
Product/Service and Operations
Marketing and Sales Plan
Competition
Management and Staff
Financial plan
Information and control
Risk factors and mitigation
INTRODUCTION
A business plan is an important document for any business and it can be written for a variety of reasons.
Internally, it can help owners and managers crystallise their ideas, focus their efforts and monitor performance against established objectives.
Externally, the business plan can act as a medium for attracting finance for start-ups or expansion.
INTRODUCTION
For many people, the experience of raising finance is a new one.
Many opportunities presented to financiers are subsequently rejected.
It is essential, therefore, that the entrepreneur prepares a quality document.
The objective of this work-pack is to help you prepare just such a document by providing you with the headings which need to be covered.
CONTENTS
The business plan should summarise the proposed activity and the prospects for success for the venture, paying particular attention to factors that are critical to success or failure.
The contents should be tailored to the particular individual requirements, circumstances or characteristics of the proposal.
In general, they have the following categories:
CONTENTS
Executive Summary
Current position
Objectives
Product/Service and Operations
Marketing and Sales Plan
Competition
Management and Staff
Financial plan
Information and control
Risk factors and mitigation
1. Crystal Session
East Brunswick, NJ 08816
crystal.session@yahoo.com - 609-819-2146
SKILLS
Customer Service
Human Resources – Onboarding,
Performance Evaluation
Microsoft Product
Leadership
Insurance
Troubleshooting
Training
Sales and Marketing
Collaborate with business partners
to identify needs and address
learning opportunities
WORK EXPERIENCE
Commercial Lines Account Manager
Wahve - East Brunswick, NJ - August 2014 to Present
Converting data from Ensure to Sagitta
Policy Checking - Account and premium sizes vary
Handle multiple lines of business including Package, Professional Liability, Workers Compensation, Aviation and lines of business that you
would normally write for your main street business.
Client Service Associate
Dickstein Associates Agency - Tinton Falls, NJ - May 2014 to July 2014
Ensure client has continuous and proper coverage and advise client of any change recommendations
Responsible for Producer workflows if applicable, such as computer inputting and general policy servicing.
Review current policies and provide recommendations regarding placement options. Utilize coverage checklist and a network of industry
contacts to determine appropriate coverage and premiums
Rounding out and cross selling book of business to personal lines and health clients
Apply knowledge of coverage and forms to research and reconcile discrepancies
Participate in the development of new business and retention of renewal business. Interact with producers to prepare specifications,
applications, underwriting data and related information in the marketing of insurance products
Produce business proposals and assist producer in delivery of proposal
Director of Property and Casualty
The Alamo Insurance Group - March 2013 to July 2013
Client Service management for several Public Entity accounts
Commercial Lines Marketing - All industry types
Responsible for the installation and training of existing employees of a new agency management system
Responsible for the development and growth of Commercial Lines private sector
Managed carrier relationships
Collaborated with Employee Benefits Account Executives in developing and maintaining private sector accounts
Handle all post service activity for Commercial Lines Accounts.
Maintains and applies an advanced knowledge of the book of business, current state rules, regulations, forms, processes, systems and rate
changes for products. Stays current on changes to policies, processes, and procedures
Act as a resource to employees that have limited experience in the Commercial Lines segment. This is accomplished by client visits,
answering questions, reviewing applications, putting together service agreement including pricing.
Develop Standard Operating procedures.
2. Willis of New Jersey Inc.
Commercial Lines Account Executive
Regional Corporate Trainer
Senior Account Manager, Underwriter and Assistant Operations Manager
Commercial Lines Business Unit - Cranford, NJ - October 2001 to March 2011
This position reports to the senior vice president of a Commercial Lines Business Unit. Responsibilities included analyzing accounts that do
not meet company guild lines Servicing multiple types of accounts ranging from $100.00 to $5,000 in revenue
Lines of business handled - GENERAL LIABILITY, PROPERTY, AVIATION, POLLUTION, VARIOUS TYPES OF PROFESSIONAL
LIABILITYAND DIRECTORS AND LIABILITY, BOP, WC, EXCESS LIABILITYAND UMBRELLAS AND BUSINESS AUTO
Industry types varied; Main street type business such as bakeries, restaurants and large and small contractors, public entity and
transportation
Evaluate books of business and/or lines of business that are not profitability
Liaison between the Sales, Service, Accounting and IT department.
Develop marketing plan for existing and new sales force
Worked closely with the New Jersey Department of insurance regarding corporate licensing, internet marketing plans. Investigated any
complaints received from the NJDI and responded accordingly
Maintained carrier relationships.
Communicated any changes to sales and service compliance controls by constant management of service personnel
Determine appropriate premium levels and coverages for commercial package and umbrella policies based on fixed rates and individual risk
characteristics
Oversight and development of curriculum and content for leadership and agency management programs in the Northeast Region
Collaborate with business partners to identify needs and address learning opportunities
Conduct benchmarking and online research to identify best in class approaches to leadership development, and identify potential new
programs and vendor partners
Identify external partners for training content and delivery; handled creation of statements of work and negotiation terms of agreement
Consolidate our surplus lines business with a few select excess broker. I also sold or resigned from accounts that were not profitable.
Lines of business handled - General Liability, property, aviation, pollution, various types of professional liability and Directors and Liability,
BOP, WC, excess Liability and umbrellas and business auto
Industry types varied; Main street type business such as bakeries, restaurants and large and small contractors, public entity and
transportation
Client Service Associate
Fraser Brothers Inc. - Edison, NJ - July 2000 to October 2001
Serviced a small book of business, approximately 250 accounts Revenue sizes all under $10,000. Handled all new business, claims, renewal
and client visits as required.
Commercial Lines Manager
Pavese McCormick Inc. - Monmouth Junction, NJ - September 1995 to October 2000
Provided Customer Service for a Select Customer Service Representative
Solely responsible for all staff training needs
Liaison between the Service team and Accounting department
Promoted from Client Service Associate to Commercial Lines Management within 6 months of hire
Commercial Lines Account Manager
American Insurance Services - June 1995 to September 1995
Serviced a small book of business, approximately 250 accounts Revenue sizes all under $10,000. Handled all new business, claims, renewal
and client visits as required.
Assistant and Commercial Lines Account
Feller & Feist - September 1985 to September 1995
Clerical Assistant for both the Real Estate and Insurance departments
Promoted to the Insurance Commercial Lines department as a Service Representative
Handled accounts ranging in revenue size of $5,000 to $25,000
3. Software Skills:
Power Point
Word
Excel
Sagitta
AMS 360
Applied- Tam 11.1
EDUCATION
New Brunswick High School, New Brunswick, NJ 08901
Graduated 1985
www.linkedin.com/in/crystalsession