Sr. Loss Control Representative Small Commercial Package

Founded in 1976, Bankers Insurance Group has grown from a small local company to a diverse corporation known for its innovative insurance products and superior customer service. Bankers Insurance offers a variety of property and casualty products and services. Among the company's products are business owners, builder's risk, personal and commercial flood, as well as specialized coverages. Insurance and financial services remain at the core of our business, and we're proud of our more than 45+ year track record of expertise and service. We recognize the changes taking place in our domestic and global economy, as well as our society. We strive to respond to those changes with a spirit of understanding, growth, innovation, and entrepreneurship, developing new products, services, and partnerships.

Our Core Values Include

Collaboration: working together is critical to achieving organizational goals.

Innovation: growth happens when we can absorb and implement new ideas that provide unique solutions and superior customer service.

Performance: we believe in providing our employees with the tools and support they need to grow, succeed, and make an impact.

Social Responsibility: we place charity and volunteer work at the core of our organization.

Trust: we build and maintain trust with our employees and clients by embodying integrity, transparency, and 'doing the right thing.'

Company Value Statements

In the performance of their respective tasks and duties, all employees are expected to demonstrate the following:

• Acting with the highest level of honesty, trust, character, and transparency.
• Making a unified effort to achieve the goals of the organization; embracing accountability for exceptional performance every day.
• Commitment to excellence in reaching our full potential as individuals and as an organization, surpassing the ordinary and the expectations of our stakeholders.
• Approaching every challenge with creative energy, discovering unique solutions to maximize success; focusing on creating and delivering compelling customer value.
• Belief in the power of a diverse workforce and in creating a positive impact on both the environment and our community.

Job Summary:
The Senior Loss Control Representative is responsible for evaluating and assessing risk exposures for commercial package and inland marine insurance clients and reports to the Head of Commercial Insurance. This position involves coaching an Underwriting Associate, conducting on-site inspections, analyzing safety practices, and making recommendations to mitigate risks. The role requires close collaboration with underwriters, agents, and policyholders to ensure effective risk management strategies are in place as we move into larger-value commercial properties and inland marine risks. The Senior Loss Control Representative will also serve as a subject matter expert on loss prevention and risk mitigation strategies, helping shape underwriting decisions and client outcomes.

Key Responsibilities:

• Risk Assessment & Inspection:
  • Conduct detailed risk assessments for commercial package and inland marine insurance clients, including physical on-site inspections and virtual assessments.
  • Help establish risk assessment guidelines for outsourced inspections and audit reports to ensure compliance with quality standards.
  • Evaluate property, equipment, operations, and safety practices to identify potential hazards and areas for improvement.
  • Review liability exposures to ensure safety practices and quality standards are in place to mitigate potential hazards and to improve overall risk mitigation efforts.
  • Assess risk factors related to inland marine exposures, such as transportation, storage, and construction-related risks.
• Loss Prevention & Risk Mitigation:
  • Develop and recommend practical loss prevention and risk control measures to reduce the likelihood of loss or damage and to ensure risk mitigation recommendations are implemented.
  • Provide guidance on safety improvements, regulatory compliance, and hazard management for commercial and inland marine accounts.
  • Assist clients in implementing risk mitigation programs, including employee safety training and emergency preparedness plans.
• Reporting & Documentation:
  • Prepare comprehensive risk reports that outline findings, recommendations, and risk ratings for underwriters and agents.
  • Document inspection results, including photos, diagrams, and detailed descriptions of risk exposures.
  • Maintain up-to-date records of client risk profiles and loss control activities.
• Collaboration & Client Engagement:
  • Work closely with underwriters to ensure alignment between risk assessments and insurance coverage, providing detailed risk insights to guide decision-making.
• Collaborate with insurance agents and brokers to communicate risk control recommendations and support policyholder engagement.
• Serve as a key point of contact for high-value clients, offering expert advice on safety and risk management best practices.
• Training & Development:
  • Mentor and train junior loss control representatives on risk assessment methodologies and industry standards.
  • Stay current on trends, regulations, and best practices in the commercial package and inland marine insurance, sharing knowledge with team members and clients.
• Compliance & Industry Standards:
  • Ensure all loss control activities comply with applicable regulations, industry standards, and company policies.
  • Monitor changes in insurance regulations, construction codes, and industry-specific safety standards that may affect risk exposures.

Qualifications:

• Education & Experience:
  • Bachelor's degree in risk management, insurance, engineering, or a related field (preferred).
  • Minimum of 5-7 years of experience in loss control or risk management, with a focus on commercial packaging and inland marine insurance.
  • Strong knowledge of small commercial or lower middle market customer exposures, and inland marine risks, including construction equipment, transportation, and goods in transit
• Skills & Competencies:
  • Proven ability to conduct thorough on-site inspections and assessments of complex commercial risks.
  • Expertise in risk mitigation techniques for property and inland marine exposures.
  • Strong analytical skills with the ability to identify risk exposures and provide actionable recommendations.
  • Excellent communication and presentation skills to effectively engage with clients, underwriters, and agents.
  • Proficiency in loss control software and tools, as well as Microsoft Office Suite (Word, Excel, PowerPoint).
• Certifications:
  • CSP (Certified Safety Professional), ARM (Associate in Risk Management), or equivalent professional designation (preferred).

Work Environment:

• Extensive travel may be required for on-site inspections.
• Ability to work independently and manage multiple clients and projects.

The preceding position description has been designed to indicate the general nature of the work performed; the level of knowledge and skills typically required; and the usual working conditions of this position. It is not designed to contain or be interpreted as a comprehensive, complete, or exclusive list of the duties of the position. Additional and different duties may be assigned from time to time. We are an E-Verify company.