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NICHOLAS JOHN THOMAS Email: njt515@gmail.com; nick.thomas@zurichna.com Phone: business 215-861-6662; cell 267 825 6499 CAREER OBJECTIVES: Regional Property Director Effectively manage a property line of business through collaborative field engagement to achieve the following results:

Meets or exceeds financial goals on a consistent basis Establishes long term customer relationships through Value Proposition Employs efficient underwriting methods contemplating compliance, technical

pricing and product density Executes property training and development for managers and underwriters to

ensure competency, behavioral skills and clear understanding of business strategies, priorities and accountabilities

BACKGROUND SUMMARY: After graduating from Penn State University with a BS in chemical engineering, began a career in the commercial insurance industry as a risk engineer for Kemper in Charlotte, NC. Continuing with engineering worked as a chemical loss control consultant at Industrial Risk Insurers in Pittsburgh, PA; progressing to supervisor of field services western PA then account coordinator in Philadelphia. Transitioning to underwriting, worked as an HPR underwriter for Kemper in Philadelphia then pollution liability underwriter for Kemper Environmental in Princeton, NJ, before joining Zurich as a property underwriting specialist for Global Corporate, to re-start the property operation in the Mid-Atlantic. Moved over to commercial markets taking on various roles; National Product Line Manager to develop environmental property; Integral member of Chicago team to launch the Real Estate Vertical; Executive Package Underwriter in Parsippany NJ while also serving as NE Real Estate Practice Leader. Current role is Property Director for East Region managing a $189 million property book for commercial insurance, holding position since March 2011. Have managed various positions including the NE Property Practice leader, Associate Underwriter Trainees and summer interns; Trained over 50 managers and underwriters; and participated in the Property Line of Business Network. Proven capabilities and knowledge in the following areas:

Driving profitable growth strategies Delivering Property campaigns to strengthen brand and reputation Crafting customer solutions and closing large property deals Leading new business pipeline and renewal strategy meetings

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Managing underwriters and engineers Conducting book management, technical audits and referrals for empowerment Broker education, certified to teach multiple 3 hour CE Credit property courses Risk analysis, catastrophic modeling, boiler and machinery, layered programs,

Manuscript Policy Review, Valuation and facultative reinsurance placement Improving talent through formal training, mentoring and demonstration Underwriting of HPR, Healthcare, Middle Market, Builders Risk, Inland Marine,

Environmental, Global Property Accounts and package business with production and profitability goals; negotiating terms/conditions through various market cycles

Leading account team, consisting of Risk Engineering, Claims and Valuation, in customer prospect and renewal stewardship presentations

Dealing effectively with insured’s top level management, brokers, agents, engineers, consultants, attorneys, reinsurers and home office management

Developing underwriting guidelines, strategic directives and large property team based work training curriculum.

SELECTED ACCOMPLISHMENTS: Presenter - Property Underwriting Fixed Fire Protection Course - Frederick Grinnell Training Center at Tyco Fire Protection Products 2017 As Property Director grew MMC book 70% over a three year period (2011-2013) Silver Award earned for Preferred Distributor production, Four Bronze awards for International and Real Estate Team Contributions plus Audit Efforts. Established a relationship with the Department of Risk, Insurance and Healthcare Management at the Fox School of Business, Temple University; supporting on-campus recruiting, Zurich speaking events and the building talent pipeline As Zurich’s Middle Market’s presence in NJ, booked $13.5mm in package premium for the NE region in 2010, developing 9.5mm in new business Presenter at NJ Institute for Continuing Education 2011 Helped launch Zurich's Real Estate Practice in April 2009, working as a member of the Chicago based team, developed $8mm of new premium on a national basis by year end 2009 Developed a $14mm book of global property business in the Mid-Atlantic Marketplace - underwritten to a 40-50% loss ratio; Roughly 40 accounts, average size = 350k, TIV > 100mm Presenter at the fall 2006 VASHRM Meeting Dean’s Certificate of Excellence presented by Temple University for outstanding academic achievement in the Master of Business Administration Program

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Served as an Account Engineer on large complex manufacturing risks for Industrial Risk Insurers and Kemper Managed seven fire/boiler field engineers in Western PA/WV region, trained 3 chemical engineers, and performed loss control surveys at heavy hazard oil/chemical risks, basic steel, textile, healthcare, furniture, telecoms, automotive assembly, real estate, power stations, etc. PROFESSIONAL EXPERIENCE: Zurich North America, Philadelphia, PA 3-1-2011 - Present Property Director – Commercial Insurance, East Region Zurich North America, Parsippany, NJ 5-15-2010 – 3-1-2011 Executive Package Underwriter/Northeast Real Estate Practice Leader

Zurich North America, Philadelphia, PA

1/2007 – 5-15-2010 Product Line Manager, Environmental Property, National 4/2001 – 1/2007 Underwriting Specialist, Global Corporate Customer Property Group Kemper Environmental, Kemper Casualty Group, Princeton, NJ 8/1998 – 4/2001 Underwriting Specialist Kemper Insurance Company, HPR Department, Philadelphia, PA 5/1997- 8/1998 Accounts Underwriter 1/1997 - 5/1997 Account Consultant

Industrial Risk Insurers, Philadelphia, PA 11/1995 - 1/1997 Account Engineer 4/1994 -11/1995 Manager – Field Services 1/1989 - 3/1994 Chemical Loss Prevention Consultant (Pittsburgh, Pa) 5/1987 - 12/1988 Kemper Insurance Company, HPR Department, Charlotte, NC Technical Representative 5/1986 – 8/1986 U.S. Department of Energy Pittsburgh Energy Technology Center Professional Intern 5/1985 – 8/1985 Student Research Participant 5/1984 - 8/1984 Southwestern Company, Nashville, TN Southwestern Student Book Salesman

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EDUCATION: TEMPLE UNIVERSITY, FOX SCHOOL OF BUSINESS AND MANAGEMENT: MBA in Risk Management & Insurance, January 2001; GPA 3.77 (Program electives included Industrial Hygiene and Hazardous Waste Management) THE PENNSYLVANIA STATE UNIVERSITY, UNIVERSITY PARK CAMPUS: Bachelor of Science in Chemical Engineering, January 1987 TRAINING: Zurich

Zurich’s Expert Nat Cat Underwriting Program ‘ZENCUP’ Certification Zurich International Programs Certification Subject Matter Expert Forms and Endorsement Training Impact Without Authority Clearly Selling Solutions Workshop The Successful Manager @ Zurich Training

IRI Certificates:

Principles of Fire Protection Engineering Consultant Skills Workshop Professional Selling Skills Seminar Oil and Chemical Properties Training Program Certificate of Achievement presented by Louisiana State University for having

successfully completed the Industrial Fire School of the Firemen Training Program

Kemper Certificates:

Site Remediation Seminars (ERM & Sadat Associates) Dr. Stephen Covey’s “Seven Habits of Highly Effective People” Negotiation for Competitive Advantage (Stuart Diamond, The Wharton School)

ACTIVITIES: Family activities, YMCA, Golf; Community Service including Penn State Thon; Temple University Hootathon; St. Jude Walk, Rock & Roll Half Marathon, St. Jude Fairways for Hope