You Have Insurance but Do You Have Coverage?: Emphasis on Exclusions and Coverage Gaps

In this presentation, attendees will learn how to interpret the language that lies within their coverage policy and how their coverage could be affected. Also up for discussion are negotiation methods that will aid in garnering better claim outcomes. Attendees will walk away with the presence of mind to choose the coverage that is ideal for their entity.

Attendee Takeaways:

1. Learn how to read your policy
2. Understand how coverage is impacted
3. Negotiate towards better claim outcomes
4. Replace the carrier if possible

Jeff is a senior property analyst for the Southeast Region as part of the Technical Resource Group within USI. Jeff has spent the last 12 years placing or underwriting complex property risks in the Fortune 500 and middle-market space. He joined USI from AXIS Insurance Company. While there, he was senior property underwriter in the Southeast Division for the admitted property unit based in Atlanta, GA handling a renewal book of over $20M in premium. His experience consisted of underwriting large middle-market real estate portfolios, retail, distribution, private equity, manufacturing, hospitality, healthcare and public entity risks.

For the past 25 years, Daniel has handled the property/casualty programs for middle-market to risk management clients primarily located in Georgia, South Carolina and Florida. With his extensive experience and the vast resources available from USI Insurance Services, Daniel directs the risk management programs for his clients to best manage their exposures, protect their assets and control their ultimate total cost of risk. He coordinates claims services, loss prevention services, actuarial services and the placement efforts of USI’s experienced team of insurance professionals. Furthermore, he also uses the technical resources USI Insurance Services provides in various specialty and general lines of insurance coverage.

Todd has over 17 years of experience in the insurance industry. The past 11 years were with a heavy concentration on Commercial Property & Casualty Account Placement and Management. Todd recently joined USI in 2019 in the Southeast Region after previously owning and managing several insurance agencies along the East Coast. Todd is from a former military family as his father served 22 years in the Coast Guard. Todd is responsible for providing exceptional service to his USI clients, from coordinating day-to-day servicing of their insurance program, reviewing contract details, arranging for the issuance of certificates of insurance and endorsements, to preparing submissions to carriers, negotiating policy terms and conditions with markets and preparing and presenting proposals.