Actuaries at Westfield use a large amount of data to determine rates to be charged for various types of insurance. Pricing actuaries team with field and Home Office representatives to develop and implement state strategies. They also analyze rates and rating plans and recommend changes based on trends in loss experience. Actuaries quantify the impact of proposed changes on our policyholders and justify the changes to state regulatory agencies.

Actuarial functions performed at the corporate level include analyzing loss and loss adjustment expense reserves, developing and implementing models for company planning and profitability, and identifying database specifications and enhancements.

AgriBusiness Division

The AgriBusiness division of Westfield Insurance is a leading writer of farmowner business nationally, ranking as one of the nation's top farmowner writers. We also insure commercial agribusinesses, those businesses providing inputs to farms or receiving direct outputs from farms that are no more than "one step removed" from production agriculture. Our strategy is based on differentiating ourselves from the competition.

Students currently enrolled in agricultural colleges are target candidates for employment in Westfield's AgriBusiness division. Opportunities exist for desk work as well as field work traveling to meet agents and develop long term business partnerships. A top notch in-house training program awaits the new employee. Careers at Westfield are self-directed by the highly motivated with ample educational opportunities to grow personally and professionally leading to opportunities for advancement.

Information Technology

Westfield's information technology department provides a variety of services that align with Westfield's business needs. Those services include:

Technical support for all Westfield's agency automation solutions
Guidance, resources and effective delivery for prioritized projects on Westfield's project portfolio
Rate and product maintenance for all automated lines of business
Visionary technological direction
Development of software applications, maintenance of current systems, software selection, package implementation and data management


Beth Oderkirk IT Project Manager		Bill Neff Application Developer

Claims

Claims representatives deliver on the promises we make as a company to our policyholders. They use their expertise to analyze a loss and determine which coverage applies. They are able to make decisions on fair payments and in some cases pay the policyholder on the spot, making that person's loss experience a little easier. Westfield claims representatives are empowered to make sure we pay what we owe and take care of our customers when they need us the most - at the time of a loss.

Westfield representatives handle our customers' claims from a variety of locations including our home office, local service offices located throughout our operating states, and in some cases from their residences.

Commercial Lines

The commercial lines division consists of mid-market (mid-size to larger businesses) and small business accounts. Whether in the field or our home office, underwriters handle the major responsibility of the production, retention and profit of mid-market commercial lines business using the highest level of technical underwriting ability. These valued leaders are the face of Westfield Insurance to various territories and our agency business partners. They make critical decisions regarding risk acceptability and pricing and provide service to our agency partners.

Careers in commercial lines include:


Jimmy Williams Small Business Underwriter	Miranda Ramsey Field Underwriter	Jeff Erickson Mid-Market Field Manager

Corporate Risk Management

The corporate risk management department manages the reinsurance program and the risk management program for the company. The reinsurance function consists of determining the appropriate reinsurance program for the property & casualty insurance company and purchasing reinsurance to protect the company against large losses. The risk management function consists of evaluating the risks of the organization and creating approaches to manage these risks. This may include purchasing insurance to transfer the risk or developing other options to reduce or eliminate risk.

Customer Service

Westfield's billing services department takes care of our customers during what can be the most frustrating and confusing part of insurance - billing. This team works with our customers and agents every day, helping them through the billing process and providing options to make payments easier. Additional career opportunities include reconciling agents and customers' accounts, quality analyst (ensuring both system and service quality) and collections administration. Our experienced customer service professionals know how to treat our customers well and represent Westfield as knowledgeable solution providers.

Hospitality

We want every visitor to Westfield to leave with a memorable experience. Our hospitality operations department plans and hosts events for our agents, customers and other guests on our Westfield Center, Ohio campus. Westfield Group Country Club provides impeccable service to our guests at world class facilities, including two championship 18-hole golf courses, restaurant and bar, and outdoor pavilion. Blair Center, our banquet and meeting facility, provides a relaxing business atmosphere for our guests. The Westfield Inn is a Georgian style building with 64 guest rooms that hosts our overnight guests with the utmost care and professionalism.

Human Resources

Westfield's human resources department puts our goal to attract, develop, empower and retain quality people into action. This team works to recruit the best candidates to join our company and ensure our future success. To develop the skills of our current employees, the human resources department offers numerous training and development opportunities that support professional development and learning throughout the organization. This team works to introduce and maintain policies and procedures to address the needs of our employees and help make Westfield a great place to work. In addition, the human resources department coordinates our employee health and wellness program.

Internal Audit

Westfield's internal audit department provides independent and objective consulting services designed to evaluate and improve the effectiveness of risk management, control, governance and the implementation of best practices.

Internal audit plays a key role in today's ever evolving corporate environment of mergers, acquisitions, organizational restructurings, information technology breakthroughs, and fraud prevention and detection. Westfield utilizes the internal audit department as a valuable resource for strong corporate governance.

Based on periodic risk assessments, the internal audit department develops a risk-based audit plan that is aligned with the Company's vision. The department provides recommendations regarding cost effective and efficient approaches to mitigate risks and enhance operational effectiveness and efficiency.

Investment Department

The Investment Department manages a large, marketable, securities portfolio for Westfield Group. Our primary investment objective is to provide a predictable, stable and growing stream of investment income. This is achieved by purchasing and holding interest bearing mortgage backed, corporate and government bonds. Additionally, we manage a sizeable portfolio of common stocks that pay periodic dividend payments.

The increasing complexity of the public securities markets leads us to seek people who have heavy academic exposure to financial disciplines such as accounting, finance or economics. Individuals with MBA's and or financial designations such as CFA or CPA are typical candidates.

Marketing

Westfield's history of success is based on our relationships. Our marketing department facilitates dynamic, value-based relationships between internal business units, customers and agents. The marketing department works to expand the Westfield brand through advertising, promotions, communications and events. Marketing supports our agency relationships through agency business and operations support, training opportunities, communication and recognition. Our marketing research area helps us improve our relationships by getting to know our customers and our agents to better serve their needs.

Personal Lines

The personal lines division is responsible for developing new personal lines products and services, creating innovative rate structures designed to attract and retain targeted customer segments, policy processing, as well as personal lines underwriting and sales. Skills required range from marketing and sales to more analytical functions such as pricing, modeling and product knowledge.

The product department, staffed with financial analysts, market analysts and product directors, creates new products, enhances current products, establishes pricing structures, and ensures our products are properly priced. In addition, product houses the department which also responsible for strategic planning, forecasting, results tracking and auditing.

Westfield personal lines representatives in the field work closely with the independent agencies who sell our products, helping them establish business plans, marketing campaigns and operational process designed to help generate and retain personal lines' customers.

The largest department within personal lines is underwriting. Each individual underwriter underwrites a specific group of agencies. This ensures a partnership approach in generating profitable growth.


	Cori Booth Personal Lines Market Underwriter

Surety

The Westfield Insurance surety operation is recognized as one of the leaders in the industry as one of the top 25 writers of surety in the United States. Field representatives in our network of service offices throughout our operating territories partner with home office underwriting staff to effectively respond to our customers' surety needs. We offer a consistent but flexible underwriting approach and a full line of surety products as well as a dedicated, professional surety claims team.

For business graduates with majors in finance and accounting, and for those with strong backgrounds in finance and commercial credit, we offer opportunities in our Home Office and field locations. Westfield surety provides outstanding training that prepares our employees for the challenges of the ever-changing surety marketplace.

Workers Compensation

Westfield Insurance is among the top 25 percent of workers compensation underwriters in the United States. With centralized workers compensation management at our Home Office in Westfield Center, Ohio, the Company provides underwriting, risk control, and claims services to the states of Arizona, Georgia, Illinois, Indiana, Iowa, Kentucky, Minnesota, Michigan, Tennessee and Wisconsin. Pennsylvania, Delaware, and Virginia workers compensation is underwritten at our Lancaster, Pennsylvania office.

Westfield's regional position in the marketplace offers more focus on small and mid market commercial accounts than national carriers routinely afford. We offer attractive premium payment terms and workers compensation dividend plans to qualified policyholders. Our "A" (Excellent) A.M. Best rating and long history (we've been in business since 1848) attest to our stable position in the traditional marketplace that is desired by today's discerning workers compensation buyer.