Selective Insurance Group INC jobs

Insurance Associate Senior - Midland 7 Locations posted: Posted 3 Days Ago

Loan Support Consultant - Insurance Servicing - Midland 7 Locations posted: Posted 9 Days Ago

Treasury Management Officer II - Insurance 8 Locations posted: Posted 7 Days Ago

Operations Manager - Insurance - Midland 7 Locations posted: Posted Yesterday

Operations Group Manager Senior 3 Locations posted: Posted Yesterday

Supervisor, Insurance Analyst North Chicago, IL, United States Company Description: About AbbVie AbbVie's mission is to discover and deliver innovative medicines and solutions that solve serious health issues today and address the medical challenges of tomorrow. We strive to have a remarkable impact on people's lives across several key therapeutic areas including immunology, oncology and neuroscience - and products and services in our Allergan Aesthetics portfolio. For more information about AbbVie, please visit us at www.abbvie.com . Follow @abbvie on LinkedIn, Facebook , Instagram , X and YouTube. Job Description: The Supervisor, Insurance Analyst provides leadership, support, and supervision for the Insurance Analyst team . This individual is a subject matter expert on commercial pharmacy, major medical, and government insurance plans, prior authorizations, appeals, and alternate coverage referrals. The supervisor ensures that all day to day activities of the team operate smoothly and seamlessly to provide the best customer experience for physician offices and ultimately patients. This position is responsible for ensuring all performance metrics, workload deliverables and customer services activities are completed in alignment with a high touch business model. Responsibilities Supervise and oversee insurance analysts responsible for verifying new patient insurance benefits and handling claim rejections. Work proactively with staff and cross-functional groups to develop creative solutions to challenging patient access issues regarding prior authorization, and denied coverage requests to ensure patient care. Partner with Leads to monitor work flow and adjust workload and staffing requirements to ensure that all activities are addressed in a timely and efficient

Inventory Planning Associate Carol Stream, IL Owens & Minor is a global healthcare solutions company providing essential products, services and technology solutions that support care delivery in leading hospitals, health systems and research centers around the world. For over 140 years, Owens & Minor has delivered comfort and confidence behind the scenes, so healthcare stays at the forefront, helping to make each day better for the hospitals, healthcare partners, and communities we serve. Powered by more than 14,000 teammates worldwide, Owens & Minor exists because every day, everywhere, Life Takes Care™. Global Reach with a Local Touch 140+ years serving healthcare Over 14,000 teammates worldwide Serving healthcare partners in 80 countries Manufacturing facilities in the U.S., Honduras, Mexico, Thailand and Ireland 40+ distribution centers Portfolio of 300 propriety and branded product offerings 1,000 branded medical product suppliers 4,000 healthcare partners served Benefits Comprehensive Healthcare Plan - Medical, dental, and vision plans start on day one of employment for full-time teammates. Educational Assistance - We offer educational assistance to all eligible teammates enrolled in an approved, accredited collegiate program. Employer-Paid Life Insurance and Disability - We offer employer-paid life insurance and disability coverage. Voluntary Supplemental Programs - We offer additional options to secure your financial future including supplemental life, hospitalization, critical illness, and other insurance programs. Support for your Growing Family - Adoption assistance, fertility benefits (in medical plan) and parental leave are available for teammates planning for a family. Health Savings Account (HSA) and 401(k) - We offer these voluntary

Vice President, Insurance Investment Solutions - Liberty Mutual Investments Boston, MA, US; New York, NY, US Description The Company: Come build on our integrated platform with industry-leading talent, world-class partners, and freedom to innovate. Liberty Mutual Investments (LMI) is the investment firm for Liberty Mutual Group (Liberty). With deep expertise in fixed income, equity, and alternative strategies, LMI invests more than $100B of long-term capital globally, and has a team of nearly 300 investment, finance, and operations professionals located in Boston, MA, and New York, NY. LMI has a clear purpose: drive economic growth, build enduring businesses side-by-side with our partners, and generate superior risk-adjusted returns that secure Liberty's promises. LMI offers the best of both worlds - the look and feel of a boutique investment firm with the reputation and financial strength of a global leader. As the investment firm of a mutual with long-term capital, LMI has a single client mandate. This gives us the freedom to focus on what we do best. Our portfolio spans a broad spectrum of public and private investments, and we are committed to expanding our capabilities and our toolkit in support of our mission. We invest across diverse asset classes, financial structures, and industries, including real estate, digital infrastructure, healthcare, renewable energy, and technology-with the aim of creating value and powering innovation. We pride ourselves on our extensive network of mutually beneficial partnerships, and we use our substantial influence, capital, and energy to drive

Senior Consultant, Boiler Inspector Concord, NH, US Description Advance your career with Liberty Mutual Insurance - A Fortune 100 Company Are you looking for an opportunity to use your degree in the business world? Then Liberty Mutual's Equipment Breakdown Risk Control group might be right for you. Our team works closely with customers to help them identify, quantify, mitigate, or eliminate serious threats to their businesses. In the process, we help fulfill Liberty Mutual's mission of helping people live safer, more secure lives. Liberty Mutual is currently hiring an Equipment Breakdown Risk Control Consultant to provide jurisdictionally required inspections and other services to an assigned group of customers. This role is 100% remote within the assigned territory. This role is also eligible for a company car. Additional information will be provided if you moved forward to speak with a recruiter. The role provides commercial lines customers with boiler and pressure vessel inspections services through the successful completion of an entry-level training program and experience. Conducts extensive research, data collection and evaluation and analysis in order to make recommendations to control customer's source of risk, loss and/or costs. **This position is based in Concord, NH due to a high concentration of work in the area. However, the selected candidate will be required to travel throughout New Hampshire, Maine and Vermont to support project needs across the region.** This position may be filled at various levels, commensur

Byram Healthcare Verifier Springfield, IL At Owens & Minor, we are a critical part of the healthcare process. As a Fortune 500 company with 350+ facilities across the US and 22,000 teammates in over 90 countries, we provide integrated technologies, products and services across the full continuum of care. Customers-and their patients-are at the heart of what we do. Our mission is to empower our customers to advance healthcare, and our success starts with our teammates. Owens & Minor teammate benefits include: Medical, dental, and vision insurance, available on first working day 401(k), eligibility after one year of service Employee stock purchase plan Tuition reimbursement The anticipated pay range for this role is as follows: $20-23/hour POSITION SUMMARY The representative is to service the needs of our customers by accurately verifying insurance coverage, performing administrative activities associated with maintenance of medical documentation and medical records. Including but not limited to verifying coverage, benefits, and authorization/referral requirements. CORE RESPONSIBILITIES • Answer questions from customers, clerical staff, insurance companies and physician offices • Make outbound calls to obtain appropriate documentation for reimbursement of orders shipped • Utilize resources to identify and resolve customer issues or reimbursement discrepancies • Ability to verify customer benefits via phone, fax, and web portal • Ability to submit authorizations or pre-certification request to multi-state payers over multiple platforms. • Communicate effectively and professionally with customers, teammates, healthcare professionals, and sales team • Reviews and approves documentation received by third parties for submission to payors for reimbursement •

Distribution Teammate - Equipment Operator Richland, MS Owens & Minor is a global healthcare solutions company providing essential products, services and technology solutions that support care delivery in leading hospitals, health systems and research centers around the world. For over 140 years, Owens & Minor has delivered comfort and confidence behind the scenes, so healthcare stays at the forefront, helping to make each day better for the hospitals, healthcare partners, and communities we serve. Powered by more than 14,000 teammates worldwide, Owens & Minor exists because every day, everywhere, Life Takes Care™. Global Reach with a Local Touch 140+ years serving healthcare Over 14,000 teammates worldwide Serving healthcare partners in 80 countries Manufacturing facilities in the U.S., Honduras, Mexico, Thailand and Ireland 40+ distribution centers Portfolio of 300 propriety and branded product offerings 1,000 branded medical product suppliers 4,000 healthcare partners served Benefits Comprehensive Healthcare Plan - Medical, dental, and vision plans start on day one of employment for full-time teammates. Educational Assistance - We offer educational assistance to all eligible teammates enrolled in an approved, accredited collegiate program. Employer-Paid Life Insurance and Disability - We offer employer-paid life insurance and disability coverage. Voluntary Supplemental Programs - We offer additional options to secure your financial future including supplemental life, hospitalization, critical illness, and other insurance programs. Support for your Growing Family - Adoption assistance, fertility benefits (in medical plan) and parental leave are available for teammates planning for a family. Health Savings Account (HSA) and 401(k) - We offer these

Distribution Teammate - Equipment Operator Equipment Operator - Apply Now for Future Opportunities! Carol Stream, IL Owens & Minor is a global healthcare solutions company providing essential products, services and technology solutions that support care delivery in leading hospitals, health systems and research centers around the world. For over 140 years, Owens & Minor has delivered comfort and confidence behind the scenes, so healthcare stays at the forefront, helping to make each day better for the hospitals, healthcare partners, and communities we serve. Powered by more than 14,000 teammates worldwide, Owens & Minor exists because every day, everywhere, Life Takes Care™. Global Reach with a Local Touch 140+ years serving healthcare Over 14,000 teammates worldwide Serving healthcare partners in 80 countries Manufacturing facilities in the U.S., Honduras, Mexico, Thailand and Ireland 40+ distribution centers Portfolio of 300 propriety and branded product offerings 1,000 branded medical product suppliers 4,000 healthcare partners served Benefits Comprehensive Healthcare Plan - Medical, dental, and vision plans start on day one of employment for full-time teammates. Educational Assistance - We offer educational assistance to all eligible teammates enrolled in an approved, accredited collegiate program. Employer-Paid Life Insurance and Disability - We offer employer-paid life insurance and disability coverage. Voluntary Supplemental Programs - We offer additional options to secure your financial future including supplemental life, hospitalization, critical illness, and other insurance programs. Support for your Growing Family - Adoption assistance, fertility benefits (in medical plan) and parental leave are available for teammates planning for a family. Health

Senior Risk Manager – UK&EU Product Protection Experience, EU IPP London, England, GBR Amazon's Product Insurance business seeks a multi-talented Risk Business Partner to support the business in understanding, managing and anticipating risks in a constantly changing environment. Our Product Protection Experience team is a rapidly growing global business, allowing customers to purchase additional coverage against accidental damage, breakdown, or theft on selected products sold through our Amazons stores. The role's scope spans across evaluating country-specific risk, product-specific risks, customer facing risks and understanding regulatory changes. Risk Management provides an independent oversight and maintains an effective control environment. This work has a significant impact, both on customers, as well as the Product Insurance business and our insurance partners. Lastly, as team culture is an essential part of who we are, we seek intellectually curious, passionate and fun individuals who would like to apply and expand their skills as they contribute to this new and exciting space. Key job responsibilities • Assessing the risk impact of new business initiatives and change management, influencing risk-based decisions, challenging the proposed control environment, and recommending approval (or not) of the initiative • Conducting deep-dive reviews of areas of emerging risk to identify issues to remediate, documenting and sharing outcomes with stakeholders and leadership • Planing and executing targeted monitoring activities leveraging data to identify negative trends and potential control gaps • Providing input into review documents and program status reports, incl. papers to the Management Committee and Board for regulated businesses • Establishing strong

Senior Associate Consultant, Corporate Strategy & Research Boston, MA, US Description About the Team The Corporate Strategy & Research (CS&R) group is an award-winning 35-person enterprise strategy and internal strategy consulting team within Liberty Mutual Insurance, a Fortune 100 company with 40,000 employees operating in 28 countries and economies worldwide. The group serves as trusted strategic advisers to the CEO and Executive Leadership Team and drives transformational change by taking an enterprise-wide, customer-centric perspective. Established in 1972, CS&R has an outstanding track record of developing future leaders and serving as a top talent feeder to the organization by creating an environment that fosters intellectual curiosity, professional development, and personal fulfillment. Alumni of the group include our current Chairman & CEO, Chief Insights & Solutions Officer, EVP & General Manager of Sales and Service, SVP & Head of BU Strategy, VP & Managing Director of Corporate Development, and Vice President of Product Strategy. This is a great opportunity for an energetic individual to join a vibrant, high performance, and tight-knit team environment that will be front and center in driving change across the enterprise. The Details We're in search of intellectually curious, creative, driven individuals who have a strong desire to expand their management consulting toolkit as part of an energetic and high-impact team. As a Senior Associate Consultant, you will work within a tight-knit consulting team that will collectively advise Libert

Distribution Teammate - Equipment Operator; 11:00am Carol Stream, IL Owens & Minor is a global healthcare solutions company providing essential products, services and technology solutions that support care delivery in leading hospitals, health systems and research centers around the world. For over 140 years, Owens & Minor has delivered comfort and confidence behind the scenes, so healthcare stays at the forefront, helping to make each day better for the hospitals, healthcare partners, and communities we serve. Powered by more than 14,000 teammates worldwide, Owens & Minor exists because every day, everywhere, Life Takes Care™. Global Reach with a Local Touch 140+ years serving healthcare Over 14,000 teammates worldwide Serving healthcare partners in 80 countries Manufacturing facilities in the U.S., Honduras, Mexico, Thailand and Ireland 40+ distribution centers Portfolio of 300 propriety and branded product offerings 1,000 branded medical product suppliers 4,000 healthcare partners served Benefits Comprehensive Healthcare Plan - Medical, dental, and vision plans start on day one of employment for full-time teammates. Educational Assistance - We offer educational assistance to all eligible teammates enrolled in an approved, accredited collegiate program. Employer-Paid Life Insurance and Disability - We offer employer-paid life insurance and disability coverage. Voluntary Supplemental Programs - We offer additional options to secure your financial future including supplemental life, hospitalization, critical illness, and other insurance programs. Support for your Growing Family - Adoption assistance, fertility benefits (in medical plan) and parental leave are available for teammates planning for a family. Health Savings Account (HSA) and 401(k) - We

Material Handler II; 7:00am Carol Stream, IL At Owens & Minor, we are a critical part of the healthcare process. As a Fortune 500 company with 350+ facilities across the US and 22,000 teammates in over 90 countries, we provide integrated technologies, products and services across the full continuum of care. Customers-and their patients-are at the heart of what we do. Our mission is to empower our customers to advance healthcare, and our success starts with our teammates. Owens & Minor teammate benefits include: Medical, dental, and vision insurance, available on first working day 401(k), eligibility after one year of service Employee stock purchase plan Tuition reimbursement The anticipated pay range for this position is as follows: $20.00/hr Receiving Unloads pallets and cases from inbound trailers and/or containers manually and/or using MHE to include manual pallet jack, motorized pallet jack, sit down or standup forklift, and standing reach truck. Accurately counts, verifies, and receives product using radio frequency (RF) equipment and/or Voice Pick Technology; documents variances. Put Away Moves cases of product from the inbound dock to storage locations in the warehouse using a standing reach truck or stock picker. Replenishment Moves pallets and/or cases from reserve location to pick location using a standing reach truck, stock picker, or sit down forklift. LUM Picking Selects products and quantities as directed by Voice Pick Technology and/or RF scanner and places items into totes on conveyor belt; removes empty cartons from pick module as needed. Bulk Picking Selects bulk items from warehouse

Senior Claims Specialist, Financial Lines Professional Liability ${34271}-Remote), UNAVAILABLE, Hidden (${12781}; New York, NY, US Description Liberty Mutual has an immediate opening for a Senior Claims Specialist, Financial Lines Management Liability position. In this role, with minimal supervision, the Senior Claims Specialist, Financial Lines Management Liability handles a book of Private Company and Not-For-Profit Directors & Officers Professional Liability Claims and Employment Practices liability claims throughout the entire claim's life cycle. The selected person will be responsible for conducting investigations, recommending adequate reserves, monitoring, documenting, and settling/closing claims in an expeditious and economical manner within prescribed authority limits for the line of business. Please note you will be required to go into one of the following claims offices at least twice a month if you reside within a 50-mile radius: Westborough, MA; Boston, MA; Hoffman Estates, IL; Indianapolis, IN; Lake Oswego, OR; Las Vegas, NV; Chandler, AZ; Plano, TX; Suwanee, GA; or Weatogue, CT. This requirement is subject to change. Responsibilities Analyzes, investigates, and evaluates the loss to determine coverage and claim disposition. Utilizes Liberty's claim system to document claims and to diary future events or follow-up. Within prescribed settlement authority for the line of business, establishes appropriate reserves for both indemnity and expense and reviews on a regular basis to ensure adequacy. Makes recommendations to set reserves at appropriate level for claims outside of authority level. Pr

Senior Manager I-Corporate Strategy & Research (Experienced) Boston, MA, US Description About the Team The Corporate Strategy & Research (CS&R) group is an award-winning 35-person enterprise strategy and internal strategy consulting team within Liberty Mutual Insurance, a Fortune 100 company with 40,000 employees operating in 28 countries and economies worldwide. The group serves as trusted strategic advisers to the CEO and Executive Leadership Team and drives transformational change by taking an enterprise-wide, customer-centric perspective. Established in 1972, CS&R has an outstanding track record of developing future leaders and serving as a top talent feeder to the organization by creating an environment that fosters intellectual curiosity, professional development, and personal fulfillment. Alumni of the group include our current Chairman & CEO, Chief Insights & Solutions Officer, EVP & General Manager of Sales and Service, SVP & Head of BU Strategy, VP & Managing Director of Corporate Development, and Vice President of Product Strategy. This is a great opportunity for an energetic individual to join a vibrant, high performance and tight-knit team environment that will be front and center in driving change across the enterprise. The Details We're in search of intellectually curious, creative, driven individuals who have a strong desire to expand their management consulting toolkit as part of an energetic and high-impact team. As a Senior Manager I, you'll oversee a workstream within a tight-knit consulting team led by a Managing Director that wi

Associate Premium Auditor Denver, CO, US Description Our professional auditors are integral to our company's mission by ensuring the financial integrity of premium development. In this role, you will examine policyholders' operations and financial records to ensure exposures (such as payroll, sales, fixed assets) are accurately calculated within strict insurance guidelines and communicate audit findings through detailed formal reports. As a Premium Auditor, you will work out of your home, when not traveling to policyholders' locations. This position involves traveling to customer locations within a 50-mile radius of the Denver Colorado area. This position is eligible for mileage reimbursement. Open for experienced applicants. Responsibilities: Perform examination of policyholders' accounting and financial records to ensure accurate calculation of earned premium for smaller, less complex risks. Ensure that audited exposures (payroll, sales, fixed assets, etc.) are accurately calculated within strict insurance guidelines. Communicate audit findings through detailed formal reports supported by audit workpapers. Review appropriate audit documentation and/or company policy systems, to determine specific coverages provided by the policy and plan audit strategy. Investigate policyholder operations to obtain actual exposures, verify classifications as they apply to the policy and ensure conformity to various state laws and insurance regulations for the appropriate audit period. Prepare detailed work papers and written corre

SBS - Assistant Brand Manager, Wireless Bengaluru, Karnataka, IND About the Role: As a SBS - Assistant Brand Manager, you will focus on delivering 5 core focus areas for the brand: Selection, demand generation, catalogue quality, business advice and availability. The person who joins the team in this position must share our passion and commitment for serving our customers. This ideal candidate should have experience in forging and building brand relationships. Some understanding of planning product cycles and selling online is preferred. The right candidate will be flexible, action and results oriented, self-starting and have strong analytical skills. He or she must have a proven track record in taking ownership, driving results and moving with speed to implement ideas in a fast-paced environment. He should be entrepreneurial with the confidence to make independent, data-driven decisions. The candidate must demonstrate the ability to succeed at: planning and forecasting, and driving an online business. The candidate must be an effective communicator in working with some of Amazon's most important partners and vendors, as well as with internal colleagues and groups. Responsibilities This person will have responsibility for: Building selection: Identify selection gaps. Track brand's offline catalogue to ensure all relevant selection is present on Amazon. Demand generation: Responsible for demand generation. This includes working with other members on the category management team to create a marketing calendar based on vendor's objectives Business Advice: Support participation of brand in Amazon programs Availability: Ensuring continuous availability of products Catalogue Quality on Amazon: Ensuring the

SBS-Assistant Brand Manager, Automotive Bengaluru, Karnataka, IND About the Role: As a Brand Specialist, you will focus on delivering 5 core focus areas for the brand: Selection, demand generation, catalogue quality, business advice and availability. The person who joins the leadership team in this position must share our passion and commitment for serving our customers. This ideal candidate should have experience in forging and building brand relationships. Some understanding of planning product cycles and selling online is preferred. The right candidate will be flexible, action and results oriented, self-starting and have strong analytical skills. He or she must have a proven track record in taking ownership, driving results and moving with speed to implement ideas in a fast-paced environment. He should be entrepreneurial with the confidence to make independent, data-driven decisions. The candidate must demonstrate the ability to succeed at: planning and forecasting, and driving an online business. The candidate must be an effective communicator in working with some of Amazon's most important partners and vendors, as well as with internal colleagues and groups. Responsibilities This person will have responsibility for: Building selection: Identify selection gaps. Track brand's offline catalogue to ensure all relevant selection is present on Amazon. Demand generation: Responsible for demand generation. This includes working with other members on the category management team to create a marketing calendar based on vendor's objectives Business Advice: Support participation of brand in Amazon programs Availability: Ensuring continuous availability of products Catalogue Quality on Amazon: Ensuring the best input from brand

Senior Technical Claims Specialist, Commercial Casualty Complex Hoffman Estates, IL, US; Boston, MA, US; Suwanee, GA, US; Plano, TX, US Description Liberty Mutual has an immediate opening for an experienced Claims Professional to join our Commercial Casualty Complex Claims Team. The Senior Technical Claims Specialist determines coverage, investigates complex and highly complex Commercial Casualty claims, determines liability, sets and adjusts reserves, evaluates the claim, negotiates a settlement, authorizes and resolves the claim. The selected person will demonstrate a high level of expertise and sound judgment in complex matters and may act as a subject matter expert. This role includes evaluating policies/manages claims for Liberty Mutual and Helmsman customers/accounts. There is a strong preference for the selected candidate to live within 50-mile radius of one of the listed hub offices: Boston, MA; Plano, TX; Suwanee, GA; Indianapolis, IN; Hoffman Estates, IL; Lake Oswego, OR; Las Vegas, NV, Chandler, AZ or Weatogue, CT. This policy is subject to change. We will consider a remote candidate if you do not live within 50-miles of one of these offices. The salary range posted reflects the range for the varying pay scale that encompasses each of the Liberty Mutual regions, and the overall cost of labor for that region. We are open to fill this position at a level based on candidate experience, and the target salary is $105,000 to $125,000, dependent on candidate experience. Responsibilities: As the claim's owner, determines coverage, investigates the claims, determines liability, sets and adjusts reserves, ev

Assistant Brand Manager, Business Industrial and Scientific Supplies (BISS) Bengaluru, Karnataka, IND About the Role: As an Assistant Brand Manager, you will focus on delivering 5 core focus areas for the brand: Selection, demand generation, catalogue quality, business advice and availability. The person who joins the leadership team in this position must share our passion and commitment for serving our customers. This ideal candidate should have experience in forging and building brand relationships. Some understanding of planning product cycles and selling online is preferred. The right candidate will be flexible, action and results oriented, self-starting and have strong analytical skills. He or she must have a proven track record in taking ownership, driving results and moving with speed to implement ideas in a fast-paced environment. He should be entrepreneurial with the confidence to make independent, data-driven decisions. The candidate must demonstrate the ability to succeed at: planning and forecasting, and driving an online business. The candidate must be an effective communicator in working with some of Amazon's most important partners and vendors, as well as with internal colleagues and groups. Key job responsibilities Key job responsibilities This person will have responsibility for: Building selection: Identify selection gaps. Track brand's offline catalogue to ensure all relevant selection is present on Amazon. Demand generation: Responsible for demand generation. This includes working with other members on the category management team to create a marketing calendar based on vendor's objectives Business Advice: Support participation of brand in Amazon programs Availability: Ensuring continuous availability of

Senior Underwriter, Risk Management Atlanta, GA, US Description Great underwriters know how to balance data analytics with human intuition. If you like both quantitative and qualitative reasoning, enjoy the challenge and autonomy of managing your own accounts - at a company that offers competitive compensation and benefits, then consider joining the underwriting department at Liberty Mutual. As a Senior Underwriter in casualty insurance, you'll develop, grow and maintain sizable, complex, diversified books of business while working closely with brokers and customers to assess risks, determine premiums, set conditions and negotiate deals that maximize profitability and meet business goals. The Senior Underwriter, Major Accounts Risk Management is responsible for developing, growing, and maintaining a profitable, diversified book of loss sensitive primary casualty business focused on Workers Compensation, General Liability and Commercial Auto through marketing, underwriting decision making, building mutually beneficial agent/broker relationships, and application of underwriting tools, systems, and expert resources. This business need is considered a range posting for a Senior or Executive Underwriter position, depending upon experience. Job Responsibilities: Risk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the program structure, premium, collateral, policy terms and conditions, obtaining approval