Item 1 · Named Insured DEC PAGE 1 OF 2
- Named Insured
- Jesse Pinkman
- Occupation Class
- Commercial Underwriter (Property & Marine)
- Registered Address
- Victoria Island, Lagos, Nigeria
- Correspondence
- j.pinkman@example.com · +234 0 555 214 88
- Public Record
- example.com/jesse-pinkman
I have underwritten commercial property and marine cargo risks in Lagos for 12 years, most recently carrying a personal authority limit of ₦900 million per risk. My renewal book held a retention rate of 87% across the last three treaty years. I read slips slowly and on purpose, which has saved more money than any model I have built.
Item 2 · Schedule of Coverage (Skills)
| Coverage Part | Description of Skill | Limit of Competence | Deductible |
|---|---|---|---|
| Part A | Commercial property risk assessment & rating | Full authority, ₦900m per risk | None |
| Part B | Marine cargo & hull underwriting | ₦450m per bottom | Referral above limit |
| Part C | Treaty & facultative reinsurance placement | 14 programmes placed | None |
| Part D | Pricing models (Excel, R, Radar) | Advanced | Peer review on new models |
| Part E | Broker negotiation & slip drafting | Advanced | None |
| Part F | Regulatory filings (NAICOM returns) | Proficient | Compliance sign-off |
Item 3 · Definitions
Insured Experience means the professional history scheduled under Item 4, including all duties reasonably incidental thereto.
Loss Ratio means incurred claims divided by earned premium, which the Named Insured has kept below 58% on his portfolio since 2019.
Referral means the act of asking a senior colleague before doing something expensive, a practice the Named Insured endorses without irony.
Slip means the placing document, and also what happens to underwriters who skip the survey report.
Item 4 · Insured Experience DEC PAGE 2 OF 2
Senior Underwriter, Property & Marine
2019 – presentLagoon Mutual Assurance Plc, Lagos
- Manage a portfolio of ₦4.2 billion gross written premium across 310 commercial accounts, holding the combined loss ratio at 57.6% over five treaty years.
- Rebuilt the flood-zone rating grid for Lagos Mainland after the 2022 season; repriced 480 policies and cut attritional flood losses 31% the following year.
- Train a desk of 4 junior underwriters; all 4 passed their CIIN advanced papers on first sitting.
Underwriter, Marine Cargo
2016 – 2019Harmattan General Insurance Ltd, Lagos
- Underwrote roughly 120 cargo open covers per year for Apapa and Tin Can Island importers, with authority of ₦250m per declaration.
- Introduced a warehouse-survey requirement for accumulations above ₦100m; theft claims fell 22% in 18 months.
Underwriting Assistant
2013 – 2016Meridian Bond & Casualty, Lagos
- Processed 40+ slips per week, checked bordereaux for 3 quota-share treaties, and kept the referral log the auditors kept complimenting.
Item 5 · Exclusions
- Loss arising from unpriced risk accepted after 6 p.m. on a Friday.
- Any warranty the Named Insured has not personally read in full, including this one.
- Consequential loss caused by broker lunch invitations exceeding two hours; the Named Insured has tested this exclusion and confirms it responds.
- Work in life assurance, which the Named Insured respects from a safe actuarial distance.
Item 6 · Endorsements (Education & Certifications)
Lagos, Nigeria · Dated at issue
True Record
Form CV-127