Careers - Opportunities
All departments of ILM are obligated to fulfill the terms of the policy
contracts by prompt and efficient action to provide quality service, and satisfy
the needs of policyholders, agents, and claimants.
Underwriting
The Underwriting Department takes responsibility in risk selection, assessment
of exposures, coverage determinations, and the pricing of all accounts. The
exposure assessment includes gaining a thorough understanding of the insured’s
operations, identifying the associated hazards, and determining how the insured
controls those exposures. The decision to accept or decline the risk is made
only after a thorough analysis of the exposures present within the risk. After
gaining a comprehensive understanding of the needs of the insured, the next step
is to work with the producer to determine the appropriate coverages to provide
the best protection for the insured. Finally, the price, known as the premium,
is calculated to insure the exposures and provide coverage to the insured as
outlined in the policy. The premium contemplates the loss dollars needed to fund
for losses that incur during the year, the expenses associated with servicing
our customers, and includes a profit to provide for the future health of the
Company.
Claims
The first aspect of claims handling is investigating the facts and coverages
relating to the loss. This investigation process begins within 24 hours of
receipt of any new claim. Once the investigation is complete, the claim is
evaluated for compensability and/or liability, and the potential ultimate cost.
It is an important function of the Claims Department to accurately evaluate our
exposure on all open claims and reserve accordingly. The claim is then finalized
through negotiation and settlement. In an instance where we are unable to
resolve the claim without the necessity of litigation, we aggressively provide a
defense for our policyholders. Throughout this process, as well as the many
others, the Claims Department is providing very important customer service to
our policyholders.
Loss Control
The Loss Control Department evaluates the exposure and loss potential of our
policyholders and prospective policyholders. This is done through the completion
of surveys that include risk evaluation, hazard identification, and
recommendation development and follow up, and assistance in developing safety
programs. Through effective communication with the policyholder, the
underwriter, and the account representative, this department’s intent is to
control losses and reduce exposures.
Information Systems
The function of the IS Division is to assist the Company in servicing our
insureds, agents and management staff by utilizing computers which collect,
process and store vital information concerning our policies, claims and
accounts. The division is divided into three broad areas: systems/programming,
computer operations, and network administration. The systems and Programming
staff design, write, and maintain the computer programs, which translate raw
data into meaningful reports. The computer operations staff oversees the
execution of programs that update the corporate policyholder database files, and
generates and distributes the output reports from the system. The networking
area is responsible for the personal computer and file server hardware and
software, and connectivity to the Local Area Network and Wide Area Network.
Financial
The primary function of this division is to control and publish financial and
statistical information of all companies within the Indiana Lumbermens Group. In
addition, the responsibility of insuring that proper safeguards are maintained
for all the companies’ assets rest within this area.
Investments, premium financing, accounts receivable, accounts payable and
reinsurance accounting are some of the responsibilities handled by this
division.
Human Resources
The Human Resources Department is responsible for three major activities within
the Company:
- Employment and Employee Relations
- Compensation and Benefits
- Training and Development
These activities are developed, administered, and monitored by the Human
Resources staff. Human Resources also plans company events and activities,
maintains all company personnel files, and oversees recruiting efforts. Your
suggestions and ideas are welcome.
Mail Supply
This department processes all incoming and outgoing mail. All incoming mail is
opened, time and date stamped, and delivered throughout the Home Office. All
outgoing mail and parcels are put into envelopes or packaged, weighed, stamped
and delivered to the Post Office periodically throughout the day. Management of
office space planning, purchasing of furniture and equipment is also maintained
by this department.
Regulatory Compliance
This department combines several administrative areas into one unit. The State
Filings area works with various state insurance departments in complying with
all licensing and rate approval requirements. The statistical area is
responsible for all corporate statistical reporting to various rating bureaus.
The workers’ compensation statistical reporting area oversees the reporting of
workers’ compensation statistical data to rating bureaus on an individual per
risk basis.
Marketing
The Marketing Department has three major areas of responsibility:
- To evaluate and improve ILM products and services to our customers through
internal and external training, policyholder surveys, internal input and
continual review and enhancement of our policies, coverages, services and
promotion materials.
- Evaluate ILM’s performance by state, territory, coverage, and business class in
regard to loss experience, expenses, premium volume, and insurance department
filings and make recommendations based on results.
- To market and promote ILM’s products and services through advertising, direct
mail and promotional brochures/fliers
Customer Assistance Service Team
The Customer Service Team is the first point of contact for most of our
insureds, Account Representatives and agents. The team members have five major
areas of responsibility:
- First and foremost, assist our policyholders on all service needs
- Assist the Claims department with new losses and general inquiry questions
- Assist the Underwriting department by issuing Certificates of Insurance, Binders
and ID Cards, etc.
- Assist the Account Representatives by providing renewal information 90 days in
advance
- Assist the Accounting department in communicating payment balances and customer
inquiries
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CUSTOMER SERVICE
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