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- Crystal Fahrenkrug
- Shawn Newman
- Erica Presley
- Penni Doe
- Kathleen Aliberti
- Alex Quintana
- Ginger Swanson
- Jackson Francis
Underwriter - West Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I’ve been in the insurance industry for 15 years, 14 years with ProAssurance.
What do you enjoy most about your job?
What I enjoy most about my job is trying to find creative solutions to meet the needs of our insureds.
What types of new business accounts do you write?
I write physicians and smaller physician practices and I specialize in our OBRA accounts which is a program specifically for our ob-gyns and gynecologists. I would love to see more OBRA submissions.
Tell more about you.
In my free time, I like to volunteer in our community. I am an active Girl Scout leader for a local troop and have been active with this troop for the last 7 years. In the past I have served as a board member for Friends of the Belleville Public Library and helped their fundraising initiatives to build a new library in 2020. This past year I served as a parental advisor to our local school district and helped them in writing their mission and vision statements as well as determining and defining what their pillars of success look like and how it can be achieved.
I love running. When I’m not busy working or volunteering, you’ll usually find me out training with my daughter for her cross-country meets or cheering her on at one of them.
Senior Standard Underwriter - West Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I’ve been in the industry since September 1990 and with NORCAL/ProAssurance since 8/21/2006 at NORCAL Mutual. 16 years.
What do you enjoy most about your job?
I enjoy educating our external and internal customers about policy products, features, and business applications. I’m most proud of the business relationships I have with our agent partners and having the opportunity to change the perception of NORCAL, to NORCAL becoming one of their top tier MPL carriers of choice.
What types of new business accounts do you write?
My primary focus is standard physician and medical groups in the state of CA. I would like to see more opportunities in areas where we are most competitive and I love a challenge. Taking an opportunity and determining how can we help meet the client/prospects needs though our coverage offering and services (e.g., claims handling and risk management).
Tell more about you.
I don’t have any particular hobbies, but my passion is my granddaughters, Makayla (8 1/2) and Normandie (3 1/2). They bring lots of joy and love to our lives.
I’m the oldest sibling. I have a brother who is an air traffic controller in Melbourne Australia. He’s married and has three boys (Corey, Tye, and Xavier). I also have a degree in accounting, which has helped me understand the financial management side of our management system, eOasis.
Senior Underwriter - West Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I’ve been in the insurance industry 15 years, all of them with NORCAL/ProAssurance.
What do you enjoy most about your job?
I enjoy collaborating with my team members and colleagues as well as engaging with our policyholders.
What types of new business accounts do you write?
I write direct solo, small groups and large accounts. I would like to see the CA direct book grow with the same type of accounts I currently manage. I feel this can be easily accomplished with focused efforts on direct marketing in the Western Region.
Tell more about you.
I love outdoor events with friends and family, like music festivals, fairs, and art & craft events.I’ve had the opportunity to meet some of the most hard working, dedicated people in my time with NORCAL and I look forward to getting to better know my new ProAssurance colleagues over time.
Underwriter - Northeast Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
30+ years. I started out at PMSLIC and then NORCAL and now ProAssurance. My first position with PMSLIC was as a claims transcriptionist transcribing cassette tapes of interviews between claims reps and the physicians regarding their claims. I then moved to Underwriting after about a year and a half. After that I moved from clerical positions to processing and finally from Associate Underwriter to Underwriter.
What do you enjoy most about your job?
At NORCAL prior to the ProAssurance acquisition, I worked on the direct team and I enjoyed working directly with insureds and practice managers in PA, RI, and NJ. I now have some agency business so I am getting back to working with agents (new and old contacts) and learning new states that the Northeast Region now handles.
What types of new business accounts do you write?
Standard underwriting of policies. I would love to see more small accounts but they’re being purchased by large healthcare systems and large groups.
Tell more about you.
Gardening and canning season is in full swing for me – jams done and now on to sauce and salsa. I also enjoy baking – nothing fancy but just the standard items: cookies, pies and especially caramel popcorn.
Underwriting Supervisor - Southeast Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I’ve been in the insurance industry for 26 years. I joined ProAssurance on August 1, 2022.
What do you enjoy most about your job?
I love finding solutions for our insured’s coverage needs. I am proud to consider myself an out-of-box thinker to always try and find the “yes” when faced with an issue.
What types of new business accounts do you write?
I have underwritten everything from individual physicians to large physician groups and hospitals. I especially enjoy writing large physician groups.
Tell more about you.
In the small amount of free time when I am not with my husband and children, you can find me crafting with my sister and sister-in-law making décor and holiday items for our small business.
I am very happy to be a part of ProAssurance, and I am looking forward to sharing my experience and continuing to learn from my team.
Associate Underwriter - Southeast Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I started my career in the insurance industry in 2004 (State Farm). In 2006, I started working at ProAssurance in the Sales and Marketing Department. I joined Underwriting in February 2022.
What do you enjoy most about your job?
What I enjoy most is helping our clients/agents and providing them with the best customer service possible.
What types of new business accounts do you write?
I’m new to the underwriter role and look forward to learning new things every day.
Tell more about you.
My favorite thing to do is spend time with family and my two dogs.
Underwriter - Southwest Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I have been in the insurance industry for about 23 years. The first five years were in healthcare and the remaining has been in professional liability. I have been with ProAssurance since April 2022.
What do you enjoy most about your job?
What I like most about working on the physician book is that there is always variety—not only in the day to day but also from one application to another. I like getting to know my agents and sharing in their celebrations and milestones.
What types of new business accounts do you write?
I am an underwriter for the Southwest team and write in the standard market for physicians.
Tell more about you.
I have two boxers, Louie (7) and Rocky (4). Thank goodness for pet insurance because they are expensive! I recently started doing sublimation and epoxy tumblers, and now there is glitter everywhere in the house! My husband and I love going to Estes Park, Colorado on vacation, and we hope to someday move out there. I have a stepdaughter who is starting college this year, a niece who is a senior in high school, and two nephews; most of my free time is spent going to their sporting events.
Associate Underwriter - Southwest Region
How long have you been in the insurance industry? And how much of that has been with ProAssurance?
I have been in the insurance industry four years, and all of that time has been with ProAssurance.
What do you enjoy most about your job?
WI enjoy the problem solving aspect and the gratification from agents. It’s interesting to have a job that is very reflective of the current state of the world and the resulting problems that arise and need to be solved. It’s good to still receive questions I have never received before. I enjoy the relationships I have formed with agents and do like to impress those that I am fond of with excellent quality work.
What types of new business accounts do you write?
I haven’t had an opportunity to quote new business yet, but I have plenty of experience with prep work, so I’m excited for my anticipated smooth transition!
Tell more about you.
I love to fish! I prefer saltwater fishing by far. I’ve been all over the world fishing, from hanging out with the bears and salmon in Alaska to catching wahoo on fishing charters in Hawaii. My dream is to move to the beach and fish every day after work! My favorite in-shore species to catch are mangrove snapper, flounder, and redfish (red drum). My favorite bait to use is live minnows I harvest myself from a cast net!
This approach also helps establish a strong partnership and enhanced alignment for claims handling and defense.
The DDC Endorsement is a three-layer entry level risk sharing solution, customized for growing/merging healthcare organizations, offering:
- Flexible risk sharing options designed to fit unique healthcare entities and groups experiencing growth and change
- Protection, consultation, and service optimized to align with group objectives, systems, and appetite for sharing risk
- Financial rewards for favorable loss experience
DDC FUNDING CHOICES INCLUDE:
- Deductible options lower premium
- Coinsurance levels help stabilize risk
- “Demand to Settle” options permit the policyholder to specify how claims will be managed (per policy/where allowed by state)**
- Risk mitigation services augment internal expertise
- Retrospective rating for financial benefit with good loss experience
Contact your ProAssurance underwriting representative for more information.
*This endorsement was originally filed under the name Healthcare Professional Liability Policy Policyholder’s Share of Damages and Demand to Settle Endorsement.
**Our policy does not include consent-to-settle in Wisconsin or Maryland because of state law. We choose not to include consent-to-settle in our policies in Florida. We modify the consent-to-settle provision in Indiana. Here it states that we do not need consent if the medical review panel is unanimous against our insured.
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OB-GYN RISK ALLIANCE
The Ob-Gyn Risk Alliance® (OBRA) is the first medical professional liability insurance program established exclusively for obstetricians and gynecologists. The OBRA program is governed by a board of practicing ob-gyns to ensure your clients’ best interests are addressed. OBRA members receive specialty-specific coverage, underwriting, pricing, claims handling, and risk management services. ProAssurance underwrites and issues professional liability policies through the Ob-Gyn Risk Alliance Risk Purchasing Group program.
PROGRAM ADVANTAGES
- A 25% up-front risk management premium credit—based on an insured’s agreement to participate in educational programs administered or approved by ProAssurance including required Relias online learning courses
- Extensive risk management tools and support—featuring access to risk management consultants and an Ob-Gyn Tool Kit
- Enhanced policy terms—such as separate primary limits for mother-and-child and an extended 60-day reporting period for claims without an assertion of liability*
- A stake in the program’s success—including profit-sharing premium and renewal credit if the Ob-Gyn Risk Alliance experiences favorable loss ratios
- Personalized, differentiated defense—marshaled by a panel of attorneys who specialize in ob-gyn defense
STRONG DEFENSE FOR A FREQUENTLY SUED SPECIALTY
To be accused of negligence resulting in patient harm is one of the worst things that can happen to any physician. Their reputation as a competent and caring physician is of upmost importance. Our goal is to defend insureds for the fairest result—not the cheapest way out of a claim. Insureds gain more control over their defense and less uncertainty with support from the Ob-Gyn Risk Alliance.
The Ob-Gyn Risk Alliance Defense Panel—OBRA members benefit from a personalized defense led by the best medical malpractice attorneys in the business. This select group of attorneys were invited to join the OBRA Defense Panel based on:
- Extensive experience handling ob-gyn cases
- A strong grasp of medical issues associated with ob-gyn claims
- A proven record of successfully defending high-exposure medical malpractice claims
OBRA panel lawyers oversee cases throughout the litigation process, working closely with experienced local attorneys. Insureds benefit from the individual and collective expertise of these skilled legal professionals.
RISK MANAGEMENT EDUCATIONAL ACTIVITIES AND RESOURCES
Just as medicine is an evolving science, reducing risk is an ongoing process. ProAssurance Risk Management Consultants monitor ob-gyn liability issues and recommend activities and resources to help insureds mitigate risk. OBRA members who document completion of required risk management activities continue to qualify for the 25% premium credit during renewal consideration. Activities and resources include:
- A baseline self-assessment
- Personal assistance from experienced risk management consultants
- Unlimited online access to Relias loss prevention courses (CME credit available)
- An Ob-Gyn Tool Kit—with forms, procedures, policies, checklists, patient education materials, and more
- Risk management guidelines and newsletters
Learn more at ObGynRiskAlliance.com or discuss options for your insureds with your Business Development representatative.
PROGRAM FEATURE: CERTITUDE
Written by Mace Horoff of Medical Sales Performance
Mace Horoff is a representative of Sales Pilot. He helps sales teams and individual representatives who sell medical devices, pharmaceuticals, biotechnology, healthcare services, and other healthcare-related products to sell more and earn more by employing a specialized healthcare system.
Have a topic you’d like to see covered? Email your suggestions to AskMarketing@ProAssurance.com.
The ProAssurance sales kit is designed to be a reference manual that is easy to use as an aid during sales presentations—and as a leave-behind following your meetings. A variety of point-of-sale materials are designed to work within the sales kit design so you can select the ideal combination for the opportunity at hand.
We will be releasing a new version of the sales kit this fall. If there are particular items which would be most helpful for you, let us know what you need to develop business.
Please send all ideas or suggestions to AskMarketing@ProAssurance.com.
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