Michael Krusche
Underwriter Large Accounts
Experience
Underwriter Large Accounts
Versicherungskammer Bayern
In my current role as an underwriter in the public sector at Versicherungskammer Bayern, I am responsible for evaluating, analyzing, and underwriting risks in commercial and public property insurance. My responsibilities include individual risk assessments, creating coverage concepts, and the technical and economic evaluation of new and existing policies, particularly for municipalities, municipal institutions, and public clients.
I work closely with sales units, brokers, and internal specialist departments, providing professional support in the quotation process and contract design. Additionally, I accompany risk-policy decisions and contribute my expertise to the further development of internal processes.
A special focus lies on digitalizing and structuring risk assessment. In this context, I advocate for developing technical solutions that enable efficient, transparent, and standardized risk evaluation—a field I plan to deepen further.
Simultaneously, I am completing a part-time degree program to become a Technical Underwriter for Industrial Property Insurance to expand my professional expertise.
Multiplicator for Private Property Insurance
Versicherungskammer Bayern
From 2020, I worked in the private sector at Versicherungskammer Bayern as a specialist in property insurance. In this role, I handled complex technical processes with a particular focus on claims and portfolio issues in residential building and home contents insurance. I was also frequently involved in processing executive complaints and highly sensitive client concerns—in close coordination with senior management and the complaints department.
Another key area of my responsibilities was the training and support of new employees: I was in charge of induction, technical training, and ongoing support in daily work. In addition, I assisted management with the substantive assessment and handling of escalations and challenging customer cases.
In this role, I was able to demonstrate both my technical depth and my communication skills, as well as my tact when dealing with demanding customer and complaint situations.
Senior Claims Handler
DEVK
In this role, I was responsible for the professional handling of complex customer inquiries and served as the central point of contact for colleagues on technical matters. I was also intensively involved in testing and implementing the new policy administration system “Faktor 10.” In doing so, I coordinated functional tests, identified and documented sources of error, and played a key role in the practical rollout of the system in the property and personal insurance areas. I was able to leverage my interface skills between the business division and IT.
Another focus of my work was training new employees: I developed training materials, conducted onboarding sessions, and supported new colleagues in their daily work—both technically and methodically.
Summary
My professional career began in field sales at DEVK, where I gained extensive experience in advising and supporting private clients over a period of more than four years. I then moved into internal operations, where I actively participated in testing and implementing a new IT system. This allowed me to deepen my understanding of technical processes and further develop my interface skills between the business division and IT.
Since 2020, I have been working at Versicherungskammer Bayern (VKB). Initially, I was assigned to the private insurance sector, taking on responsible roles as a subject-matter contact, internal trainer, and training officer. My focus was on providing professional support to colleagues as well as on the development of workflows and training concepts.
I am now working in underwriting, where I concentrate on the analysis and assessment of property risks for public-sector clients. I have a particular interest in developing technical solutions for efficient and transparent risk assessment in the commercial and industrial property insurance environment.
Alongside my career, I completed the Certified Insurance and Finance Specialist qualification and am currently studying to become a Technical Underwriter for Industrial Property Insurance.
I bring strong analytical skills, personal accountability, and a structured, solution-oriented approach—complemented by deep technical expertise, a high level of technical affinity, and a strong team orientation.
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