Underwriting Philosophy

Underwriting is responsible for pricing risk, issuing and evaluating coverage, and determining which accounts are appropriate for the CHI program. The Underwriter and assistant work closely with account management, claims, and risk services in accomplishing the underwriting process. Functions accomplished within this department include providing direction to risk management on expectations for client activities and assessment reports, analyzing losses occurring for each CHI member, studying national trends in claims and developing exposures to determine impact on CHI program, assessing applications for prospective CHI members and renewal applications for existing CHI members to calculate premiums, assessing with management coverage concerns within the CHI policy, and, in partnership with the broker, negotiating reinsurance premiums for CHI.