Job Description (Non Contractual)

Role: Private Client/Commercial Account Executive

Employee:

Reports to: Sandra Fernandes, Managing Director

Hours of Work: 9.00 AM – 5.00 PM

Direct Reports: Danette Hornby Aziz

Purpose: This job description is non contractual and Polygon Insurance Brokers Limited (the “Company”) reserves the right to review, revise, amend or replace the content of this job description from time to time to reflect the changing needs of the business. Employees may be required to undertake such duties and such work as may be necessary to meet the business needs and any work produced by an employee which is relevant to the business of the Company shall be deemed to have been produced in the course of employment. The main accountability is: To provide insurance administration and broking support to the Insurance Team with a focus on business development, marketing and client retention involving telephone, electronic (email) and face to face client contact. To support the policy and invoice documentation to clients and insurers alike. To also develop relationships and have regular communication with insurers. Principal Objectives and Responsibilities including the following (other objectives may be assigned): 1. To support the Insurance Team with client, broker, insurer administration, diary and workload

management

2. To understand the business of new and existing clients and their approach to insurance and risk management, and administer insurance solutions for the protection of their material assets and liabilities.

3. To pro-actively seek and manage new business in line with objectives and performance standards. To assist with the development and maintenance of a prospect list and new business pipeline.

4. To maintain and achieve growth in income from existing clients, expanding client portfolios with

additional covers, negotiating sales with clients and actively increasing business through cross and up selling where possible.

5. To present renewal terms and secure renewals with clients, ensuring the collection of premiums on a timely basis, in accordance with Company procedures.

6. Researching insurance companies’ policies and negotiating with underwriters to find the most

suitable insurance for clients at the best price.

7. To assist in the preparation of presentations as required.

8. To develop relationships with clients, underwriters, Trust Companies and other professionals to promote PIBL.

9. To advise clients whether and when they need to make a claim on their policies and assist with the

ongoing management of claims.

10. To respond and act on client requests, instructions and communications in a timely manner (including meetings, meeting notes and reports) agreeing timelines, collating information and carrying out administration, always ensuring accuracy and managing files (electronic and paper) in line with Company procedures.

11. To offer and present insurance solutions including insurance policies and other risk management

solutions, to both existing and new clients, with the purpose of securing renewals and/or new business.

12. To confine advice and information to those areas in which you are deemed proficient, otherwise

seeking advice as appropriate.

13. To assist in ensuring that all post and diary activities are completed daily in accordance with the Company procedures.

14. To develop and manage client relationships in accordance with the Company procedures manual

and performance standards including visits to existing clients; agreeing timescales; collating information and carrying out timely administration of the Clients’ insurance programme(s) in a timely, technically accurate and cost-effective manner.

15. To understand a client’s business and/or personal operations, opportunities and risks and their

approach to risk management and insurance.

16. To obtain and communicate sufficient information to demonstrate an understanding of the risk and to support the broking process in accordance with Company procedures.

17. To always demonstrate the professionalism of the Company when dealing with or visiting clients

dealing with insurers and product providers, Trust Companies and other professionals, and in all communications and to conduct business of the Company at all times in a courteous and efficient manner.

18. To undertake training in line with CPD requirements, agreed objectives and keep up to date with

technical, legal and market developments within the insurance market and the clients’ industries via use of e-learning, internal and external training and reading market related material. To foster high levels of communication, negotiation and sales skills.

19. To provide appropriate support and cover in the absence of Account Executive or Account Handlers

team members.

20. To conduct yourself in accordance with the Company’s compliance and anti-money laundering procedures, and in particular with meeting relevant regulatory standards set by the Jersey Financial Services Commission (JFSC), including (but not limited to);

• Ensuring that customers receive appropriate and clear information about products in good time, to enable them to make informed choices.

• Ensuring that advice is suitable for customers and takes into account their requirements and circumstances.

• Providing a satisfactory service, in accordance with customers’ expectations.

• Assisting customers in making claims and where applicable, resolving customer complaints in accordance with written procedures.

• Bringing instances of any complaints, non-compliance and concerns generally about the fair treatment of customers to your Director’s attention, including potential conflicts of interest.

21. To have a working knowledge of IT systems including MS Word, Excel, Outlook and EPIC,

insurer platforms with accurate data input skills.

22. To work closely the Directors, Finance Team and other areas within the Vantage and Polygon Group, where appropriate, to meet the Company objectives.

This is not an exhaustive list of the duties that an employee is required to undertake. Employees must be aware that they may be required to perform duties that are not listed above or as directed by the Company to reflect the changing needs of the business and operational requirements.

Role Profile

Position: Loss Control Surveyor Level: 4

Reporting to: Head of Underwriting

Location: Jersey/Guernsey

Purpose:

Undertake underwriting risk assessments for domestic, high net worth, farming and commercial

customers as part of the Islands Insurance Group, with authority from the NFUM Loss Control Team,

providing risk improvement reports and technical insight to Underwriting to help inform insurance

decisions and effectively manage risk for the customer and reduce losses for both customers and the

business.

Accountabilities:

• Complete detailed underwriting risk surveys for domestic, bespoke, farming and commercial

customers, identifying property and liability risk improvement requirements through site

visits and remote surveys which provide technical insight into potential risks in order that

Underwriting are able to determine if cases are within risk appetite.

• Produce detailed technical reports that capture underwriting risk assessments and scoring to

a professional standard using defined systems in order that an insurance decision; quote

renewals or declinature, can be reached in a timely manner by Underwriting and brokers.

• Undertake site reviews and consultancy with customers for technical and relationship

reasons, supporting sub-brokers and brokers and activity managing stakeholders including

Underwriting and customers to support with imparting knowledge of potential risks which

need to be addressed and providing solutions to reduce risk and losses.

• Manage and prioritise individual workload to effectively complete surveys written reports

and other tasks in line with agreed timetables, utilising the systems, templates and

frameworks provided to ensure that service levels are achieved and individual and team

KPI’s are achieved.

• Research, produce and publish technical guidance and data designed to improve knowledge

of clients, and colleagues including other Loss Control Surveyors, Underwriting, Claims and

Sub – brokers.

• Build and maintain effective working relationships with internal and external stakeholders

such as clients, sub-brokers, underwriting, claims and colleagues through regular

communication and meetings to promote risk management surveying services and ensure

the effective delivery of objectives.

• Deliver short term/ one off projects and activities as required by and to the standard and

outcomes agreed with the Head of Underwriting when required.

Experience and Knowledge:

• Detailed technical knowledge of current risk management and loss prevention practices for a

broad range of insurance risks.

• Experience of surveying/consulting in commercial environments.

• Ability to interpret underwriting requirements to ensure that risk management decisions can

be identified.

• Highly developed communication skills with customers and stakeholder engagement skills

and ability to influence and negotiate.

• Experience and knowledge gained from working in Underwriting, Claims, Surveying or

Commercial Engineering (or similar).

Qualifications

• ACII or Working Towards

• Full Driving Licence

Key competencies required:

TEAMWORK

Work with and support colleagues to ensure the delivery of a high-quality customer service and all

business objectives by yourself and your colleagues.

DEPENDABILITY

Take personal responsibility for delivering high quality customer service whilst rising to challenges

and performing to the best of your abilities.

JOB KNOWLEDGE

Continue to develop your knowledge to achieve optimum effectiveness in your role.

CUSTOMER FOCUS

Meet the expectations and requirement of internal and external customers. Demonstrate a clear

understanding of customer’s requirements ensuring they require a high-quality service from Islands.

PERSONAL EFFECTINESS

Manage your time effectively by prioritising and organising your workload to ensure that deadlines

are always met and referring to the Head of Underwriting for guidance where necessary.

SETTING AN EXCELLENT EXAMPLE

Actively promote the strategy and philosophy of Islands and display its values.

DELIVERING RESULTS

Deliver results by challenging conventional thinking, managing risks, involving others, and seizing the

opportunities offered by change.