Steve Loya

Experience

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  The Fellowship of Catholic University Students

  May 2015 - Jul 2018

  Team Director

  Supervised a team of four staff members while leading them toward increased goal achievement, productivity and efficiency. Oversaw campus involvement and push for continual growth. Developed and maintained relationships with university administration. Created weekly reports with growth and current involvement. Recruited and equipped students for national conferences, mission trips, staff employment, and fundraising. Organized and planned monthly events for campus ministry. Networked and fundraised yearly salary. Show less

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  Spring Venture Group

  Jul 2018 - Mar 2019

  Medicare Advisor

  Represented industry-leading insurance carriers with the strongest financial ratings.Evaluated medicare applicants to determine coverage and eligibility. Licensed with eleven carriers in 37 states. Continually developed and sharpened sales skills through practice, coaching, and study.

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  Travelers

  Mar 2019 - now

  Handle guaranteed-cost products to mid-size businesses.Partner with agents and brokers to provide property, general liability, commercial auto, workers' compensation, and lead umbrella coverage for new and renewal business based on customers' needs.Manage the profitability, growth, and retention of an assigned book of business.Underwrite and skillfully negotiate customer accounts to minimize risk and maximize profitability.Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to create sales plans and identify cross-selling opportunities.Foster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products.Identify and capture new business opportunities using consultative marketing and sales skills. Show less In a structured training program, actively learns about underwriting philosophy, business unit products and strategies, negotiation, and relationship building. As a trainee, handles renewal business under direct supervision and moves to developing new business as skills advance. Takes on less complex underwriting of individual accounts and eventually a territory. Seeks out opportunities to observe account analysis discussions with other underwriters and underwriting leaders. Takes initiative for their own developmentUnderwrites and assesses risk and makes recommendations for less complex accounts in a market segment. Establishes effective relationships with customers, agents, and brokers. Develops consultative sales, marketing, and negotiation skills through their interaction with agents/brokers and via coaching from their manager. Develops planning and organization skills necessary to effectively manage desk and assume a territory. Effectively collaborates with others on all aspects of job. Show less Handles moderate to complex Personal and Business Insurance Auto Damage claims as well as low complexity Bodily Injury Liability claims from the first notice of loss through resolution/settlement and payment process. Reviews and analyzes coverage and applies policy conditions, provisions, exclusions and endorsements for both Auto Damage and low complexity Bodily Injury liability claims in assigned jurisdictions. Verifies the benefits available, the injured party's eligibility and the applicable coverage limits.Investigates each claim to obtain relevant facts necessary to determine coverage, causation, extent of liability and establishment of negligence. On specified claims, evaluates medical treatment based on the nature and extent of injury, mechanism of injury, type of treatment received or anticipated. May need to verify wage loss claims. Ensure proper payment of third party injury claims.Establishes timely and maintains appropriate claim and expense reserves. Manages file inventory and expense reserves by utilizing an effective diary system, documenting claim file activities to resolve claim in a timely manner.Determines settlement amounts, negotiates and conveys claim settlements within authority limits to insureds and claimants. As appropriate, writes denial letters, Reservation of Rights and other necessary correspondence to insureds and claimants. Show less Handle 1st and 3rd party Personal Insurance and Business Insurance claims. Manage claims for automobiles, a variety of heavy, specialty and mobile equipment and non-auto related property damage. Claims have a varying degrees of complexity and severity (I.e.: coverage issues, multi-car, liability determination, etc).PRIMARY DUTIES: Handle all types of vehicles including automobiles, and a variety of heavy and mobile equipment at every severity level including other property damage. Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements, pertinent to a variety of vehicle damage claims. Recognize and apply how jurisdictional issues impact the claim (i.e.: negligence laws, financial responsibility/limits, immunity, etc.) Manage deductibles and coverage limits.Contact appropriate parties to obtain relevant facts necessary to determine coverage, causation/damages, nature and extent of injuries and exposure with respect to the various vehicle coverage provided. Investigate facts to establish negligence, determine liability, other sources of recovery and negotiate resolutions as appropriate. Develop and continually update a plan of action including maintaining an effective diary to bring the claim to resolution in a timely manner. Manage file inventory by utilizing an effective diary system and documenting claim file activities in accordance with established procedures.- Write denial letters, Reservation of Rights and other routine and complex correspondence to insureds and claimants. Show less Handle 1st and 3rd party Personal Insurance and Business Insurance claims. Manage claims for automobiles, a variety of heavy, specialty and mobile equipment and non-auto related property damage. Claims have a varying degrees of complexity and severity (I.e.: coverage issues, multi-car, liability determination, etc).PRIMARY DUTIES: Handle all types of vehicles including automobiles, and a variety of heavy and mobile equipment at every severity level including other property damage. Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements, pertinent to a variety of vehicle damage claims. Recognize and apply how jurisdictional issues impact the claim (i.e.: negligence laws, financial responsibility/limits, immunity, etc.) Manage deductibles and coverage limits.Contact appropriate parties to obtain relevant facts necessary to determine coverage, causation/damages, nature and extent of injuries and exposure with respect to the various vehicle coverage provided. Investigate facts to establish negligence, determine liability, other sources of recovery and negotiate resolutions as appropriate. Develop and continually update a plan of action including maintaining an effective diary to bring the claim to resolution in a timely manner. Manage file inventory by utilizing an effective diary system and documenting claim file activities in accordance with established procedures.- Write denial letters, Reservation of Rights and other routine and complex correspondence to insureds and claimants. Show less

  • Account Executive - Commerical Accounts

    Apr 2025 - now

  • Associate Account Executive - Commerical Accounts

    Aug 2023 - Apr 2025

  • Business Insurance Underwriting Professional Development Program - Commerical Accounts

    Aug 2022 - Aug 2023

  • Auto Claim Rep 2

    Jun 2021 - Aug 2022

  • Auto Claim Rep

    Nov 2019 - Jun 2021

  • Auto Claim Rep Trainee

    Mar 2019 - Nov 2019