JANICE LOVETT
Papillion
Summary
Strategic insurance executive with extensive experience in developing and transforming commercial insurance programs for various sectors. Specializes in commercial auto and trucking, driving profitable growth through strong underwriting practices and strategic partnerships. Recognized for mentoring high-performing teams and enhancing operational efficiency across diverse functions.
Overview
29
29
years of professional experience
Work History
Vice President – Transportation
NOVATAE RISK GROUP
Dallas
07.2025 - 07.2026
- Responsible for building the Transportation Division focused on Commercial Auto, Trucking, Construction, Business Auto, and Non-Emergency Medical Transportation (NEMT).
- Built the Transportation Division from the ground up, establishing underwriting strategy, operational framework, and business objectives.
- Partnered with executive leadership to establish strategic growth initiatives and expand transportation product offerings.
- Developed transportation programs for trucking, business auto, construction, and NEMT risks, enhancing market offerings.
- Expanded carrier relationships, securing new transportation markets to broaden service capabilities.
- Increased agency distribution by cultivating retail and wholesale agency relationships, boosting market presence.
- Recruited, coached, and led a team of four transportation underwriting professionals.
- Managed underwriting performance while driving profitable growth.
Vice President & Head of Transportation
ORIGIN SPECIALTY UNDERWRITERS
Papillion
04.2024 - 05.2025
- Established the Wholesale Transportation Division, creating operational structure and underwriting strategy.
- Led transportation underwriting operations and strategic program development.
- Developed transportation products including food truck, distributor, and specialty programs to meet market demand.
- Evaluated transportation program opportunities and market expansion initiatives to identify growth potential.
- Collaborated with executive leadership on strategic company growth initiatives to align transportation goals.
Vice President – Property & Casualty
MST INSURANCE SOLUTIONS
Torrance
07.2022 - 01.2024
- Directed Property & Casualty operations to support organizational growth initiatives.
- Recruited, mentored, and developed high-performing service and underwriting teams.
- Implemented employee development plans and performance management processes to foster talent and drive team performance.
- Implemented agency-wide operational improvements utilizing AMS360, Vertafore, ImageRight, WorkSmart, InsurLink, and ReferenceConnect.
- Improved workflow efficiency while reducing operational risk through standardized documentation.
- Developed Standard Operating Procedures for production and service departments to enhance operational consistency.
Assistant Vice President – Commercial Truck Underwriting
IAT INSURANCE GROUP
Naperville
07.2018 - 04.2022
- Managed commercial transportation portfolios, underwriting complex trucking risks to align with strategic business objectives.
- Led commercial trucking and fleet underwriting operations, enhancing overall portfolio performance.
- Developed underwriting standards, quality controls, and pricing discipline that contributed to transforming the Retail Truck business into a profitable operation.
- Shifted underwriting culture to emphasize proactive agency relationship management, fostering stronger partnerships and improving client retention.
- Produced more than $2 million in new fleet premium during the COVID-19 pandemic.
- Acted as Subject Matter Expert for workflow modernization and system implementation.
- Recruited, coached, and developed underwriting professionals.
Underwriting Manager
UNIFAX INSURANCE SYSTEMS / CRUSADER INSURANCE
Calabasas
08.2017 - 07.2018
- Directed underwriting strategy for commercial transportation programs, aligning with market trends and regulatory requirements.
- Led transportation rate, rule, form filings, ensuring compliance and accuracy to support underwriting objectives.
- Managed $11 million transportation, tow truck, garage, mercantile portfolio, optimizing risk assessment and coverage adequacy.
- Recruited and developed underwriting talent while improving operational efficiency.
Underwriting Operations Manager
NATIONS BUILDERS INSURANCE SERVICES
Atlanta
11.2012 - 08.2017
- Directed underwriting operations for transportation risks, ensuring effective management of up to 200 power units.
- Established comprehensive underwriting guidelines, workflows, and referral processes to enhance operational standards.
- Managed retail partner relationships while coordinating cross-functional improvements to streamline operations.
- Led product development initiatives and new distribution tools.
Vice President – Underwriting
HOUSTON INTERNATIONAL INSURANCE GROUP
Houston
11.2011 - 07.2012
- Established underwriting guidelines and audit standards to ensure compliance and consistency.
- Directed underwriting operations and product management.
- Oversaw carrier reporting, filings, and MGA relationships to streamline communication and enhance partnerships.
- Performed due diligence on new program opportunities to assess viability and align with business objectives.
Senior Program Coordinator / Underwriter
AMERICAN SAFETY INSURANCE
Atlanta
02.2010 - 11.2011
- Managed national insurance programs to ensure compliance and performance across multiple regions.
- Oversaw program expansion, reinsurance, and collateral management to optimize underwriting performance.
- Developed underwriting guidelines and business solutions.
- Conducted thorough due diligence on prospective program partners to assess alignment with organizational goals.
Vice President – Programs
LEAVITT GROUP
Cedar City
01.2008 - 02.2010
- Launched four niche and association-based insurance programs to address specific market needs.
- Managed program launches, carrier relationships, and ongoing program performance.
- Streamlined carrier submission and program evaluation processes for consistency and efficiency.
- Established Program Division to enhance organizational focus on program development.
Underwriting Manager
ZURICH INSURANCE SERVICES
Jacksonville
07.2007 - 12.2007
- Managed a $24 million environmental insurance portfolio while leading a team of 16 underwriting professionals.
- Streamlined underwriting processes for diverse insurance products, enhancing operational efficiency.
- Assessed risk profiles to determine optimal coverage levels, ensuring client satisfaction and protection.
- Partnered with sales teams to create customized insurance solutions, aligning offerings with client needs.
Senior Staff Specialist / Underwriting Team Leader
CAPITOL INSURANCE COMPANIES
Madison
07.2006 - 07.2007
- Led multi-state underwriting operations, developed program opportunities to support business growth, and implemented training and compliance initiatives to enhance underwriting standards.
Program Manager
ZURICH AMERICAN INSURANCE
Omaha
09.1997 - 07.2006
- Managed national insurance programs exceeding $260 million in premium, overseeing program expansion, due diligence, audits, and reporting to ensure compliance and drive cross-functional collaboration.
Education
Master of Business Administration - Learning & Knowledge Management
Walden University
Bachelor of Science - Management
University of Phoenix
Skills
- Underwriting Strategy
- Program Development
- Product Management
- Commercial Auto
- Trucking
- Risk Selection
- Pricing Strategy
- Carrier Relations
- Agency Development
- Distribution Strategy
- Process Improvement
- Strategic Leadership
- Team Development
- Cross-Functional Collaboration
Professional Designations
- Associate in Underwriting (AU)
- Associate in Insurance Services (AIS)
- Certificate in General Insurance (INS)
Strategic Program And Partnership Experience - Summary
Developed insurance programs through affinity organizations and trade associations. Built customized insurance solutions for organizations including KOA, Denny's, Total Manufacturing, and numerous industry associations. Collaborated with carriers, brokers, and association leadership to develop scalable insurance products and expand distribution. Successfully aligned insurance programs with partner operations, customer needs, and long-term growth objectives.
Executive Profile - Summary
Strategic insurance executive with more than 25 years of experience building, leading, and transforming commercial insurance programs across national carriers, MGAs, wholesalers, and retail agencies. Proven expertise in commercial auto, trucking, fleet, business auto, transportation, and specialty programs, with a track record of driving profitable growth through underwriting excellence, program innovation, operational transformation, and strategic partnerships. Recognized for building new business units, developing underwriting guidelines and governance, expanding carrier and agency relationships, mentoring high-performing teams, and leading organizations through change. Experienced in collaborating across underwriting, product, technology, operations, compliance, and executive leadership to develop scalable insurance solutions that improve profitability and customer experience.
Timeline
Vice President – Transportation
NOVATAE RISK GROUP
07.2025 - 07.2026
Vice President & Head of Transportation
ORIGIN SPECIALTY UNDERWRITERS
04.2024 - 05.2025
Vice President – Property & Casualty
MST INSURANCE SOLUTIONS
07.2022 - 01.2024
Assistant Vice President – Commercial Truck Underwriting
IAT INSURANCE GROUP
07.2018 - 04.2022
Underwriting Manager
UNIFAX INSURANCE SYSTEMS / CRUSADER INSURANCE
08.2017 - 07.2018
Underwriting Operations Manager
NATIONS BUILDERS INSURANCE SERVICES
11.2012 - 08.2017
Vice President – Underwriting
HOUSTON INTERNATIONAL INSURANCE GROUP
11.2011 - 07.2012
Senior Program Coordinator / Underwriter
AMERICAN SAFETY INSURANCE
02.2010 - 11.2011
Vice President – Programs
LEAVITT GROUP
01.2008 - 02.2010
Underwriting Manager
ZURICH INSURANCE SERVICES
07.2007 - 12.2007
Senior Staff Specialist / Underwriting Team Leader
CAPITOL INSURANCE COMPANIES
07.2006 - 07.2007
Program Manager
ZURICH AMERICAN INSURANCE
09.1997 - 07.2006
Master of Business Administration - Learning & Knowledge Management
Walden University
Bachelor of Science - Management
University of Phoenix