My Resume

Barbara A. Herbert, CPCU, AU, eCertified 2.0
Adaptable, reliable and dedicated individual with exceptional communication skills.  Consistently recognized for marketing/sales abilities, accuracy, high productivity, sound business decisions, customer service, a superb work ethic and "thinking outside the norm" in order to achieve outstanding results.  Senior level marketing & sales expertise, exceptional interpersonal & relationship skills, with strong organizational, technical and analytical abilities.  Exceptional knowledge and understanding of social media and market to customer bases on those sites.  Project management experience, focusing on compliance issues.  Highly energetic and motivated, handling your real estate transactions as if they were her own.  Taking pride in all transactions and providing customers with quick responses to their phone calls and/or email correspondence continues to enhance Barb's reputation as a caring & responsible professional who strives to provide customer satisfaction beyond compare.  
National Association of Realtors
Missouri Association of Realtors
St Charles County Association of Realtors
CPCU Society (Chartered Property & Casualty Underwriters)
Missouri Association of Insurance Agents

Certifications & Awards
 Awarded "5 Star Professional Real Estate Agent - 2015"
Prudential Fine Homes International Specialist
eCertified 2.0® Designation
Relocation Broker Certification (US) 
OBA - Online Buyers Advantage
CPCU - Chartered Property & Casualty Underwriter
AU - Associate in Underwriting
National "Top Gun" - C N A Small Business 2006
Regional "Top Gun" - C N A Small Business 2006
2011-2012   Real Estate Specialist, Prudential Select Properties
Real estate marketing & sales specialist offering superior service to buyers and sellers of real estate in the state of Missouri.   Barb specializes in real estate located in Saint Charles County, including the cities of Saint Charles, Saint Peters, Cottleville, O'Fallon, Dardenne Prairie, Wentzville, New Melle, Defiance, Saint Paul and Augusta; She also handles Saint Louis County, focusing on the West County area which includes the towns of Chesterfield, Wildwood, Town & Country, Ellisville, Ballwin, Ladue, Manchester,and Creve Coeur.  Proficient in the sometimes difficult world of insurance, Barb provides homeowners, renters & business quotes to clients at closing if they need assistance.  As a licensed Property & Casualty Insurance Agent in the state of Missouri, she can help you find the appropriate coverage for your new home, apartment or business. Instead of scrambling for an insurance binder at closing, you can place your real estate AND your insurance needs in Barb's hands for an exceptional outcome !   Specialties include:  Luxury Homes, Buyers Agent, Listing Agent, Insurance, New & Custom Homes, Acreage, Farms & Ranches, Historical Homes, Homes with Character, Relocation and finding the right home for her customers.

2010-2011   Senior Marketing Manager, Zenith Insurance Companies
Senior Marketing Manager for The Zenith Insurance companies covering territory of Missouri, Kansas and Southern Illinois. Responsible for agency management, visiting agents all over the territory, setting business plans, training on technology & underwriting appetite, claims and loss control services.   Appoint new agents in territory to grow profitable workers compensation business. Promote the Zenith name by participating in Missouri Agents Association conventions and trade shows.   Plan company “kick off’s” & trade shows to promote product and appetite.   Work with underwriting teams to retain renewals & write new business.
2009-2010   Regional Sales Manager, The Iroquois Group
Regional sales manager for The Iroquois Group in Missouri, Kansas, Southern Illinois, Nebraska and Iowa. The Iroquois Group provides an agency network to independent agents all over the country.   Responsibilities include recruiting new members, working with them to discover the markets and carriers that will be best utilized by their agency.   Once they become a member, working with all of the carriers and agencies to make sure they complete appropriate carrier paperwork and receive proper training on the carrier systems.   Job also requires the review of members production on quarterly basis to make sure they are meeting their commitments, meet with carrier representatives to discuss any potential problems including production issue, terminate members when they are not utilizing the carriers they have committed to. Available to all agency members for problem solving, underwriting consults on particular risks and assistance in market placement.
2005-2008    Senior Sales Specialist, C N A Insurance Companies
Field sales specialist with full underwriting authority, responsible for managing agency territory in Missouri. Traveled to agencies to promote products, train on commercial small business quoting system, educate independent agents on products and underwriting guidelines. Underwrote & quoted larger and more complicated risks on behalf of the agents. Was available to accompany agents when they needed assistance during presentations to clients. Appointed new enterprise and small business agents to C N A. Attended & participated in industry trade shows to promote C N A & its products. My territory had significant growth while maintaining excellent loss ratios.   Brought a very large national program to C N A with over 2 million in new premium. Recognized as one of the top sales specialists in the country each year, receiving regional and national awards in 2006.   Sales representative on several different corporate committees involving underwriting, marketing, technology and product testing. Worked with executive management to make the product more appealing and user friendly.
2002-2005    Senior Account Executive, St Paul Travelers Insurance Companies   
Field sales specialist with full underwriting authority, responsible for managing agency territory in Missouri and Illinois. Traveled to agencies to promote products, train on commercial small business quoting system, educate independent agents on products and underwriting guidelines. Quoted larger and more complicated risks myself on behalf of the agents. Was available to accompany agents when they needed assistance during presentations to clients. Appointed new agents to St Paul, and then to Travelers. Attended and participated in industry trade shows to promote company and its products. My territory had significant growth while maintaining a loss ratio in the upper teens. Involved with President’s committee on Sales Best Practices.    Consistently recognized as one of the top sales leaders in the country.
1998-2002    Commercial & Personal Lines Underwriter, Safeco Insurance Companies
Responsibilities included underwriting small, medium & large commercial accounts. Worked with the loss control and claim departments on regular basis to consult on accounts. Developed my Missouri territory of 45 agents by growth, agency management, applying sound underwriting decisions to write and retain profitable business; Monitored book of business, reunderwrote and repriced current book of business as required; Traveled with loss control for business inspections on select accounts; CPCU liaison/coordinator who promoted industry education to all employees by regular memos and other methods of communication. Began career at Safeco as a Senior Personal Lines Underwriter, underwriting homeowners, auto, watercraft, and umbrella policies.
1995-1998    Senior Personal Lines Underwriter, General Accident Insurance Company
Handled underwriting and marketing for 65 agents in the Missouri and central Illinois area. Editor-in-chief of a highly acclaimed newsletter produced for the agency force. Restructured department workflows, developed new procedures and implemented them to bring company into compliance with state regulations. Traveled regularly to build agency relationships as a production underwriter. Underwrote homeowners, auto, watercraft and umbrella policies, eventually moving to commercial business.
1995-1995    Personal Lines Underwriting/Marketing Manager, Missouri General Ins Agency
Managed personal lines marketing/underwriting department for this independent agency. Primary duties were marketing/underwriting new and renewal business, keeping producers/agents informed of company changes, company interfacing/processing new business and endorsements online, monthly reports, and liaison between agency and insurance carriers.
1991-1995    Senior Underwriter, Worcester Insurance Company (part of Harleysville Group)
Commercial and personal lines underwriting for my territory of Connecticut and New York. Managed territory of 98 agents and a 15 million commercial/personal lines book of business. Averaged 15% annual growth, with a territory loss ratio of 26%. Traveled as production underwriter one week each month to build agency relationships.
1978-1991    Senior Underwriting Analyst, Wausau Ins Co/Worldwide/Capital Holding Corp
Worked in many different departments during my tenure, including files, rating, accounting, and customer service before beginning underwriting career. Served as underwriting assistant, then promoted to underwriter in 1979, eventually moving to the “Special Account” division where affinity groups were underwritten. Was promoted to Senior Underwriting Analyst in the Research & Development unit. We developed a “scoring system” which would allow underwriting applications to be computer processed, with certain items editing out to the underwriters. This was very new to the industry at the time. Additional responsibilities included analyzing the current book of business and auditing the underwriters. I traveled quite frequently to review and then integrate business from companies that Capital Holding had purchased.
12/88 Completed General Insurance Program passing all 3 exams (INS 21, INS 22, & INS 23)
12/89 Received Associate in Underwriting Designation (AU)
03/94 Received CPCU designation after completing and passing 10 national exams
11/97 Received Missouri Property & Casualty Brokers License, license is current
06/11 Completed Missouri Licensee Real Estate Courses & Licensing Exams
eCertified 2.0 Real Estate Designation
Relocation Broker Certification (US) 
Online Buyers Advantage Real Estate Designation