Reviewed the account, not just the individual event.
Considered coverage structure, endorsements, vessel and operational exposure, premium, loss experience, reserves, and the conditions that shaped the account’s overall risk profile.
Prior experience / Intact Insurance Specialty Solutions
Senior Marine SpecialistCommercial marine accountsBroker / producer / surveyor coordination
Account-level marine risk work.
At Intact Insurance Specialty Solutions, I worked as a Senior Marine Specialist across complex commercial marine accounts. The work combined coverage and endorsement review, exposure evaluation, premium, loss, and reserve analysis, survey coordination, loss-trend insight, and the account decisions that protect a book.
Used loss and reserve information to sharpen account judgment.
Looked for patterns in frequency, severity, cause, repair activity, and open financial exposure so that the next decision reflected the account’s experience rather than a single isolated number.
Turned surveys and inspections into usable account intelligence.
Coordinated surveyors and technical resources, clarified what needed to be established, and kept the resulting evidence connected to coverage, exposure, pricing, and account strategy.
Supported selection, retention, and portfolio decisions.
Connected account-level facts to the practical question of how the book should be protected: what to understand better, what to control, what to escalate, and where uncertainty remained material.
Kept brokers, producers, surveyors, counsel, and internal partners aligned.
Made the question, evidence requirement, open item, and next action visible across the people responsible for moving an account or technical issue forward.
Built the bridge from marine account work to casualty risk consulting.
The transferable capability is operational judgment: understand the system, identify the loss pathway, test the controls, coordinate the field resource, and give decision-makers a clear basis for action.
02 / What the work required
Risk consultant translationThe visible output was an account decision. The capability underneath was broader.
This is the distinction the portfolio needed to make explicit. The work required structured observation, evidence testing, stakeholder coordination, and loss economics.
See the physical system behind the paperwork.
Vessel, engine, trailer, storage, repair facility, maintenance conditions, and the actual location of the loss all shaped the conclusion.
Separate what is known from what is merely alleged.
Statements and estimates had to be tested against technical evidence, policy language, timing, and the condition of the property.
Make the next responsible move obvious.
Request the missing document, assign the right specialist, amend the reserve, refer recovery, explain the decision, or close the loop.
03 / The evidence chain
A repeatable working patternFrom first notice to a defensible conclusion.
The same chain now provides the foundation for casualty risk consulting, where the decision moves earlier in time from “what happened?” to “what could happen here, and why?”
01
Initial contact and fact capture
Confirm the insured, location, date of loss, reported facts, known damage, third-party involvement, current property location, and immediate evidence needs.
FNOLInsured statementLoss location
02
Coverage and condition frame
Read the applicable policy structure, limits, deductible, endorsements, warranties, exclusions, and the conditions that could change how the event should be understood.
Coverage analysisPolicy termsCause question
03
Technical assignment and evidence review
Direct a surveyor or specialist when desk evidence is insufficient, then evaluate whether the resulting report answers the original question and supports the proposed scope.
Surveyor assignmentPhotosRepair estimate
04
Financial assessment and file movement
Reconcile fair and reasonable repairs, depreciation, deductible, reserve, proof-of-loss requirements, and payment pathway as the evidence becomes complete.
Damage assessmentReserve noteSettlement logic
05
Recovery and communication
Identify subrogation potential, document the reasoning, communicate the outcome and next steps, and maintain the file until the open question is actually closed.
Subro referralInsured updateClosure
04 / The bridge
Marine to casualtyMove the same operating judgment earlier in the risk cycle.
Casualty risk consulting asks the same operational questions before an injury, vehicle event, premises incident, or third-party claim becomes a loss: where is the failure pathway, which controls should interrupt it, and what evidence would prove that they work?
Understand the operation. Find the loss pathway. Improve the decision.
That is the career move this site is designed to make legible. The line of business changes. The underlying reflex remains: investigate carefully, resist unsupported certainty, find the leverage point, and communicate an action that improves the outcome.