T he Insurance Coverage Specialist is responsible for a broad spectrum of P C policy forms, including bureau (mostly ISO), admitted, surplus lines, company specific and manuscript wordings. The priority is drafting commercial lines policies and endorsements – primary casualty, excess liability, umbrella, professional liability, property, first-party insurance, and specialty lines. Insurance Coverage Specialist : · Provides expert advice on the research, creation and maintenance of coverage language. · Works collaboratively with the underwriting divisions on coverages for product development, competitive analysis, line of business initiatives and emerging issues. · Aligns coverage with profitability, growth and retention objectives of the company. · Identifies coverage that deviates from current standard forms or common industry practices, or that does not reflect the underwriting intent. · Furnishes constructive wording alternatives for company use. · Delivers guidance to underwriters, senior management and others involved in policy wording decisions. · Viewed as a mentor on policy wording issues for underwriters. Additional Responsibilities · Keeps current on insurance policy wording developments, ISO’s research, emerging issues and competitors’ forms to communicate to underwriters and senior management the importance and impact of proposed wording changes. · Continually develops specialized knowledge of P C lines of business to identify wording solutions for the policy structures that meet the business needs. · Collaborates with other Insurance Coverage Specialists , Reinsurance Contracts Specialists, Underwriters, Claims, Regulatory Specialists and Legal colleagues to improve wordings. · Prioritizes, organizes and optimizes workloads to promote cost-effective delivery and support for coverage documents. · Develops and implements Admitted Form Filings with the underwriting divisions and regulatory unit. · Sets challenging goals and works to meet them. · Effectively manages time and meets deadlines.