Errors & Omissions

Stable Markets with Strong Policy Forms

Professionals that provide advice and services for a fee can face potential liability from claims alleging breach of professional duty, negligence, errors, omissions, failure to perform work promised in a contract, inability to meet client expectations, etc., as well as the subsequent financial losses suffered by their clients.

Customers are, now more than ever, aware of the legal recourses available to them when perceiving negligence and wanting to recover financial losses allegedly caused by services failing to perform to their expectations.

Today’s litigious environment makes it essential for professionals to protect themselves from these allegations and from unintended consequences of their actions.

United States Professional Liability Programs

Veteran underwriters and their specialized teams demonstrate expertise, consistent high-level service and a commitment to customizing professional solutions for industry-specific niches. They secure high-quality carriers who maintain stable financial profiles, provide strong policy forms and offer free risk management resources. Each niche-focused program is unique and evolves as the world becomes a riskier place. The US team focuses on SME business in the following professions:

Accountants Professional Liability Program

Stable admitted market with strong policy form and a resourceful pre-claims assistance 800 hotline and risk management website. Our exclusive Accountants Professional Liability program is available to CPAs, enrolled agents, general accounting practices, bookkeepers, and tax preparation firms. Limits of professional liability range from $100,000 to $5,000,000. Defense Outside of the Limits and First Dollar Defense coverage are available, plus subpoena assistance and worldwide coverage. We deliver access to a quality Accountants Professional Liability Insurance Program through Aspen American Insurance Company with supplemental coverages for Privacy Breach and Remediation, Non-profit Directors and Officers and Employment Practices defense.

Architects & Engineers Professional Liability Program

Exclusive admitted carrier access with exceptional underwriting, expert claims assistance, free contract review and risk management tools for architects, civil, electrical, mechanical, HVAC and structural engineers, construction managers, landscape architects, golf course designers, land surveyors, interior designers, and select unlicensed disciplines, technical consultants and scientists. Program underwriters focus on firms with billings up to $10,000,000, but larger considered on an individual risk basis.

Professional liability policies with limits from $100,000 to $5,000,000 are quoted on behalf of Aspen American Insurance Company with interest-free financing plans for qualified firms and a direct bill option. This program offers tailored solutions with contractors’ pollution liability, advertising personal injury, network security, and worldwide coverage. First Dollar Defense, Defense Outside Limits, and Specific Project Excess are available options. In addition, expense reimbursements are offered for crisis events, peer review, and disciplinary proceedings, plus an amended contractual liability exclusion to provide legal fee reimbursement for indemnified parties based on proportional liability.

Insurance Agents E&O Program

Offering best-in-class professional program solutions with tailored carrier insolvency coverage, soft hammer clause, disciplinary action, subpoena coverage, loss of earnings, and flexible deductible options for independent retail agents and brokers, wholesale brokers, MGAs, MGUs, and program administrators selling personal lines, property & casualty and/or life, accident & health products. Independent contractors are included in coverage. First and third-party cyber and privacy and security options are available.

Our Agents E&O Program is geared towards small to medium sized agencies generating up to $10M in revenues, with premiums starting as low as $2,500. We have capacity up to $5M primary and can provide access to policy options on both a standard and surplus lines basis with the ability to customize coverage to specific needs. Multiple deductible options are available starting at $2,500 with a deductible credit for claims resolved via mediation – up to 50% as well as premium financing options available. Exclusive proprietary enhancement endorsement included, providing reimbursement for: cancelled conferences, temporary meeting space, emergency web hosting, and workplace violence consulting.

First Dollar Defense, Defense Outside the Limits, and 2x or 3x aggregate deductibles may be available.

London Professional Indemnity Programs

With over 80 years of experience, Patrick Comerford and Clive Moore are amongst the most well-known and supported underwriters in the London and USA markets.

Since 2014, they have underwritten a delegated North American professional liability facility. They have longstanding relationships with major producers in the UK and USA, which gives them unrivalled access at a senior level to core business opportunities. They focus on middle-market and large professional liability programs in the following classes:

Law Firms:

• All risks will be underwritten in US dollars
• Primary and / or excess layers
• Minimum attachment USD $500,000 per claim
• Attachment within first USD $100,000,000, preferably first USD $50,000,000

Architects / Engineers:

• All risks will be underwritten in US dollars
• Primary and / or excess layers
• Minimum attachment USD $500,000 per claim
• Preferred attachment within first USD $100,000,000

Accountants:

• All risks written in US dollars
• Primary and / or excess layers
• Minimum attachment USD $500,000 per claim
• Preferred attachment within first USD $50,000,000

Our Team

Ryan Financial Lines team of E&O specialists contains many veteran underwriters with decades of professional lines experience at carriers, managing general agencies, program administrators, and retail agencies. We believe in solving problems meeting our clients’ most unique needs. Our passion for protecting insureds, supporting our retail agents and brokers, and deepening our professional lines knowledge is inexhaustible.

Jamie Bouloux

Chief Executive Officer
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Dana Lynn Pound

AVP / Program Manager - Insurance Agents E&O Program
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Sue Harker

Program Manager – Accountants and Architects & Engineers Professional Programs
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RFL North America writes PI for US domiciled risks focusing on accountants, architects and engineers, and insurance agents

Sue Harker

Program Manager – Accountants and Architects & Engineers Professional Programs
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Sarah Heiss

Senior Underwriter – Architects and Engineers Professional Liability
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Lauren Cunningham

Underwriter – Accountants Professional Liability
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Dana Lynn Pound

AVP / Program Manager - Insurance Agents E&O Program
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Sal Ciuffreda

Underwriter - Insurance Agents E&O Program
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Tiffany Burrell

Underwriter – Insurance Agents E&O Program
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RFL London works both on a retail and wholesale basis in the London market.  The team can write (re)insurance for risks domiciled anywhere in the world except in the US and EU. Latam in coordination with LatAm Team) both on a primary and excess basis.

Mark Peeters

Managing Director, RFL London
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Patrick Comerford

Managing Director, RFL London PI
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Clive Moore

Managing Director, RFL London PI
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Andrew Lucas

Senior Underwriter, RFL London PI
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With offices in Germany, the Netherlands and Sweden, our European operation has the expertise to underwrite complex niche risks and develop innovative insurance solutions with rapid response time and a strategic focus on serving clients. We offer innovative products to private and public corporations, as well as municipalities and public entities.

Sverker Edstrom

Managing Director, RFL Europe
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Philip Kassmyr

Manager
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Walter Craft

Managing Director, RFL Benelux / DACH
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Marie-louise den Otter

Head of Financial Lines, Benelux
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Sebastiaan Rademaker

Senior Underwriter, Financial Lines, Benelux
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Herman Arts

Underwriting Manager Professional Indemnity/ Cyber, Benelux
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Fabian Ritzau

Head of Financial Lines, Germany & Austria
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Pascal Alvarez

Managing Director, International Facultative Reinsurance
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David Gonzalez

CUO, RFL Fac Reinsurance
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Diego Freire

Senior Underwriter RFL Fac Reinsurance, LatAm & Caribbean
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Carlos Sanchez

Technical Underwriter RFL Fac Reinsurance, LatAm & Caribbean
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About
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©2025 Ryan Specialty, LLC | Privacy Notice | Legal | European Operating Model

Ryan Financial Lines' operations are conducted through multiple legal entities, the choice of which depends on where the entities are authorized to operate and what insurance product they are selling. In the US, Ryan Financial Lines' operations are conducted by Ryan Financial Lines and CorRisk Solutions, each of which are series of RSG Underwriting Managers, LLC (Ryan Specialty Underwriting Managers US), and by RSG Specialty, LLC (RSG Specialty). Ryan Specialty Underwriting Managers US and RSG Specialty are Delaware limited liability companies based in Illinois. In the UK, Ryan Financial Lines is a tradename of Ryan Specialty International Limited (Ryan Specialty International), authorized and regulated by the Financial Conduct Authority (FRN733324). Registered office: 30 St. Mary Ave, 13th Floor, London. EC3A BBF, United Kingdom. Company number 07164987. In the EEA, Ryan Financial Lines Europe is a tradename of Ryan Specialty Nordics AB (Ryan Specialty Nordics, authorized by the Swedish Financial Services Authority, Org nr 556741-6572. Registered office: Brahegatan 2, 114 37 Stockholm, Sweden. In Latin America and the Caribbean, Ryan Financial Lines' operations are conducted by the Ryan Financial Lines Reinsurance division of Ryan Specialty LatAm, LLC, a Delaware limited liability company based in Florida (Ryan Specialty LatAm). Ryan Specialty Underwriting Managers US, RSG Specialty, Ryan Specialty international, Ryan Specialty Nordics and Ryan Specialty LatAm are subsidiaries of Ryan Specialty, LLC. Ryan Financial Lines works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain jurisdictions, and some products in the US may only be available from surplus lines insurers. In California: RSG Insurance Services, LLC (License #0E50879) and RSG Specialty Insurance Services, LLC (License #0G97516). ©2025 Ryan Specialty, LLC

Andrew Lucas
Senior Underwriter, RFL London PI
Andy serves as Senior Underwriter for Ryan Financial Lines London PI, joining following Ryan Specialty's aquisition of Castel in 2024. He has over twenty-five years' experience in the professional liability insurance market.

Andy commenced his insurance career in 1994 at Minet before moving to Wellington Syndicate in 2001 as a claims adjuster handling North American professional liability matters—mainly lawyers, accountants and architects & engineers. In 2005, he joined Brit Syndicate to handle the same classes and was promoted to run the syndicate’s Global Professional Lines claims team. In 2014, he joined Pioneer Underwriters as the Head of Financial and Professional Lines claims responsible for handling and oversight of claims arising from the FINPRO book and worked very closely with all the underwriting teams. Andy left Pioneer in January 2022 and joined Castel NAPL as a senior underwriter.
Fabian Ritzau
Head of Financial Lines, Germany & Austria
Fabian brings nearly ten years of underwriting experience in financial lines, as well as in professional indemnity and cyber insurance. Being a truly international insurance professional, Fabian joined HCC in Barcelona in 2010 directly after his graduation, after which he spend most of his underwriting career at ArgoGlobal SE in Malta. Within eight years, he build up a very profitable financial lines book across Europe, with a specific focus on the German market. Along with German, Fabian is fluent in English and Spanish. He holds a degree in business administration and international business from Furtwangen University (Villingen-Schwenningen) in Germany.
Herman Arts
Underwriting Manager Professional Indemnity/ Cyber, Benelux
Herman is a true industry veteran within the financial lines segment. Before joining Ryan Financial Lines in 2024, Herman accumulated over thirty years of underwriting experience at ASR, AIG, Fortis Corporate Insurance (now AMLIN) and most recently at CNA Hardy, where he developed and managed the professional indemnity book as well as tech and cyber. He is an expert in all aspects of professional indemnity throughout all industries and segments, with a specific focus on complex IT / tech risk, including cyber.
Sebastiaan Rademaker
Senior Underwriter, Financial Lines, Benelux
Sebastiaan joined Ryan Financial Lines with its acquisition of certain assets of Geo Underwriting Europe in 2024, where he had been since September of 2020. Sebastiaan brings nearly 8 years of underwriting experience in financial lines and professional indemnity in the Benelux and the MENA region, gained at StarStone the Netherlands. He started his career in asset management at Allianz and Robeco, one of the largest Dutch asset management firms. He holds a degree (Hons.) in financial services management from the HES Amsterdam School of Business.
Marie-louise den Otter
Head of Financial Lines, Benelux
Marie-louise den Otter joined Ryan Financial Lines with its acquisition of certain assets of Geo Underwriting Europe in 2024. Prior to joining Geo in Q4 2018, Marie-louise worked as Senior Underwriter at Allianz Global Corporate and Specialty, responsible for underwriting (international) professional and financial lines, including cyber. Previous roles include financial lines underwriting at AIG and as senior broker at Aon, Marsh and Geerts (a local Dutch broking and advisory firm). Marie-louise holds a master's degree in financial law of Erasmus University in Rotterdam and completed executive education on operational risk management at the University of Amsterdam.
Carlos Sanchez
Technical Underwriter RFL Fac Reinsurance, LatAm & Caribbean
Carlos joined Ryan Financial Lines LatAm Facultative Reinsurance (previously Capital Bay Underwriting) as a Technical Underwriter in 2020. Carlos has previously worked 25 years with Swiss Re Corporate Solutions both in Colombia and in Miami serving Latin America.
Diego Freire
Senior Underwriter RFL Fac Reinsurance, LatAm & Caribbean
Diego joined the Ryan Financial Lines LatAm Facultative Reinsurance (previously Capital Bay Underwriting) as a Senior Underwriter in 2022. Prior to joining RFL LatAm, Diego was a Financial Lines Senior Underwriter with AIG Ecuador where he worked for 18 years in various positions.
Tiffany Burrell
Underwriter – Insurance Agents E&O Program
Tiffany Burrell is an underwriter for the Insurance Agents E&O program at Ryan Financial Lines. She has been in the insurance industry for more than three decades. Prior to working with Ryan Specialty, Tiffany was a commercial lines assistant account manager for VW Brown Insurance Agency, supporting pre-renewal setups and processing certificates of insurance. She also held positions as commercial lines underwriter assistant for Berkley FinSecure, personal lines auto claims resolution specialist for Liberty Mutual Insurance Company and senior personal lines underwriter for Plymouth Rock Insurance and Morstan General Agency.
Sal Ciuffreda
Underwriter - Insurance Agents E&O Program
Sal Ciuffreda is an Underwriter for Ryan Specialty’s Insurance Agents E&O program in March of 2023. Over his career, Sal worked in both carrier and program administrative offices, acquiring an underwriting acumen for multiple lines of business, and conversant with both occurrence and claims made forms. Most recently, Sal gained technical product knowledge of lawyers’ professional liability, title agents E&O, and insurance agents & brokers E&O. Prior to Ryan Specialty, Sal worked at CNA where he serviced a muti-million-dollar book of renewals comprised of a various exposures, coverages, and forms. He also held positions at Markel as a submission technician and an underwriter associate at RPS. Sal earned a Bachelor of Science in marketing, and minor in music from Fordham University. Currently dwelling in northern New Jersey, he enjoys golf, guitar, and tennis.
Lauren Cunningham
Underwriter – Accountants Professional Liability
Lauren Cunningham is an underwriter for our Accountants Professional Liability program at Ryan Financial Lines. As part of the accountants’ team, she focuses on underwriting for CPAs, tax preparation firms, enrolled agents, and general accounting/bookkeeping. Lauren entered the insurance industry in 2011, where she was an Associate Underwriter for the All Risks’ Architects and Engineers Professional Liability program team. Lauren became a part of the Ryan Specialty in 2020 with the All Risks acquisition. Lauren holds a Bachelor of Science degree in Exercise Science from Cabrini University. 
Sarah Heiss
Senior Underwriter – Architects and Engineers Professional Liability
Sarah Heiss is a Senior Underwriter on the Architects & Engineers Professional Liability team at Ryan Specialty. As part of the A&E team, she underwrites and focuses on firms up to 10 million in revenues, with disciplines such as: architecture, interior design, construction managers, land surveying and civil, structural, MEP engineers. Sarah has been in the industry for over thirty years. She has spent her whole career on the underwriting side and enjoys the in-depth analysis of each account she underwrites, as well as the daily interaction with agents / brokers. She joined Ryan Specialty in September 2020 as part of the All Risks acquisition. Prior to this, she worked at Insight Insurance Services, Argo, Travelers, and CNA. Sarah received her undergraduate degree in Finance from Eastern Illinois University.
Sue Harker
Program Manager – Accountants and Architects & Engineers Professional Programs
In her role as Program Manager, Sue Harker leads a Team in the underwriting and management of the Aspen Accountants and Architects and Engineers Professional Liability Programs.   Sue’s involvement with developing and underwriting professional liability programs spans more than 30 years.  After one year of Commercial Lines Underwriting, Sue accepted a position with an MGA, underwriting Architects & Engineers Professional Liability coverage on behalf of Lexington Insurance and has remained focused on professional liability since that time.

Throughout her career, she has played an instrumental role in developing Accountants and Architect/Engineers Professional Liability programs for SAFECO, Everest, Argo and Aspen.  In 2011, Sue accepted a position at All Risk, which was acquired by RT Specialty in September 2020. Prior to that, she served as Vice President at Insight Insurance Services, overseeing the Accountants, Architects/Engineers and Insurance Agents professional liability programs.  Sue received her Bachelors Degree in Economics from the University of Illinois Urbana-Champaign.
Dana Lynn Pound
AVP / Program Manager - Insurance Agents E&O Program
Dana Lynn Pound is the Assistant Vice President and Program Manager for the Insurance Agents E&O program and joined Ryan Specialty in August of 2021. Assuming the leadership position in Fall 2023, she is focused on top-line production results for the insurance agency book and dedicated to servicing our independent retail agency distribution. Dana brings more than 25 years of progressive experience in product, account management and servicing, broking and underwriting. Prior to joining Ryan Specialty, Dana held a senior underwriting position at AmTrust, an underwriting role with PHLY Insurance and a senior brokering role with Preferred Concepts (fka as Mercator Risk) focused on professional, management, and executive liability lines.  Dana earned a Bachelor of Science from Ithaca College with a degree in Corporate Communications and Sports Management. Located in Connecticut, she enjoys golfing, cooking, and visiting craft breweries in her spare time.
Tim Waters
Senior Claims Adjuster
Bio coming Soon.
Carlos Sanchez
Underwriting Technical Assistant
Carlos joined Ryan Financial Lines Latam Facultative Reinsurance (previously Capital Bay Underwriting) as a Technical Underwriter in 2020. Carlos has previously worked 25 years with Swiss Re Corporate Solutions both in Colombia and in Miami serving Latin America.
Diego Freire
Senior Underwriter RFL Fac Reinsurance, Latam & Caribbean
Diego joined the Ryan Financial Lines Latam Facultative Reinsurance (previously Capital Bay Underwriting) as a Senior Underwriter in 2022.

Prior to joining RFL Latam, Diego was a Financial Lines Sr. Underwriter with AIG Ecuador where he worked for 18 years in various positions.
David Gonzalez
CUO, RFL Fac Reinsurance
David is the CUO for Ryan Financial Lines Global Facultative Reinsurance.

David was with Capital Bay Underwriting at its inception in 2017, working with Pascal Alvarez in the launch and build of the company. Prior to that David spent 12 years working for AIG in Latin America and the Caribbean in a variety of senior roles in Financial Lines both in countries (Ecuador, Puerto Rico, Colombia) and ultimately as Regional Manager Financial Institutions, Management Liability and Crime within the Regional office in Miami of AIG for Latin America and the Caribbean.
Jason Lowney
President
Bio coming soon.
Pauline Ajamlou
Underwriting Assistant
Prior to working at Ryan Specialty Nordics, Pauline worked in the bank industry with focus on back office and securities administration. She also has experience from customer service and sales.

Pauline holds a Bachelor’s degree in Business Administration from Sodertorns University.
Johanna Liljenberg
Operations Manager
Before working at Ryan Specialty Nordics, Johanna worked for over ten years in sales and customer service, mainly in the role of store manager.

Johanna holds a Master of Law from Stockholm University.
Claes Lagergren
Underwriter
Prior to his current role at Ryan Specialty Nordics, Claes worked as a senior broker at Howden with a leading role in Financial Lines. Before this, Claes worked as a Specialist broker within Financial Lines at Aon and has audit and assurance experience from his time at Ernst & Young.

Claes holds a holds a Master’s degree in Economics and Business Administration.
Matea Szabo
Underwriter
Prior to working at Ryan Specialty Nordics, Matea worked in different administrative roles with a strong customer focus. She has broad experience from the service industry where she worked as a CEO assistant and a business salesman, among other roles.

Matea holds a Bachelor of Service Management from Lund University
Jarl Strömgren
Underwriter
From 2012 until starting at Ryan Specialty Nordics, Jarl worked as a broker at Bolander & Co with a leading role in Financial Lines. Prior to his time as a broker, Jarl has worked as Financial Lines underwriter at Chubb and also has audit and accounting experience from his time at PwC.

Jarl holds a Master’s degree in Economics and Business Administration from Uppsala University/Swedish University of Agricultural Sciences.
Anna Ekstrom
Senior Vice President
Miss Ekstrom focuses on underwriting primary and excess layers for US public and privately held companies for all lines within Executive Liability – directors and officers, employment practice and fiduciary liability. From February 2013 until June 2015, Miss Ekstrom served as Senior Vice President Executive Risk / broker at Paragon International Insurance Brokers Ltd, specializing in all lines within Executive Liability, directors and officers, employment practice, fiduciary liability, fidelity and cyber insurance for US and international companies. From August 2006 until February 2013, Miss Ekstrom served as Assistant Vice President, Financial Lines for AIG Europe Ltd. Before leaving AIG, she served as the head of the large accounts team. In this role, she oversaw the Executive liability lines for the large account segment and was responsible for the performance and management of the team. 

Prior to joining AIG, Miss Ekstrom worked for the Risk Management department at Schenker AG, a international logistic company. In her role, she worked with worldwide insurance programs and risk management solutions for the group.

Miss Ekstrom has a Master of Science in Business and Economics, with specialization in strategic and operative management accounting / accounting and finance, from the University of Gothenburg, Gothenburg, Sweden.
Philip Kassmyr
Manager
From 2014 until starting at Ryan Specialty Nordics, Philip worked as an underwriter and later on in a combined underwriter and middle market segment leader role in the Financial Lines department at Chubb. Between 2006 and 2014 Philip worked at Willis, among other roles as a broker.

Philip holds a degree in Insurance from Försäkringsinstitutet BICON in Sweden.
Aila Jansson
Operations Manager
Prior to her current role at Ryan Specialty Nordics, Aila served as Operations Manager – Continental Europe at The Navigators Group, Inc.

Aila spent numerous years working as operational manager within the insurance industry and also has experience underwriting Management Liability.

Aila holds a Master of Science in Business Administration and Economics, with a specialization in organization and leadership, from Stockholm University, Sweden.
Connor Phillips
Associate Underwriter
Connor joined StartPoint Executive Risks in September 2022 after an initial internship with the company prior to graduating university. As a Junior Underwriter, his main duties consist of assisting full reviews of new business as well as monitoring existing accounts across various territories, with a primary focus on North American D&O from primary to excess layers.
Prior to Joining StartPoint Connor has experience in both the London and Bermuda Markets across various lines of Insurance. Connor holds a B.A (Hons) in International Business from the University of Kent and currently working towards further qualification within financial lines.
Zinob Olayinka
Associate Underwriter
Zinob joined the team in March of 2024 as a Cyber and Tech E&O Underwriter. She is on the NYC team and has actively worked to expand the team’s retail broker environment across the U.S. Zinob participates in the vast Women in Cyber groups here in NYC and is a member of the National African American Insurance Association (NAAIA). Her compelling cyber educational background provides a unique approach to her underwriting as she works to grow the excess Cyber and Tech portfolio. Zinob obtained her Master of Science in Cyber Security Law in 2020 and commenced underwriting for Everest on their Cyber Liability team and delved into Cyber and Tech E&O most recently with Tokio Marine HCC, maintaining a book of both retail and wholesale distribution partners. Zinob has a Security+ certification and has a Bachelor of Science in Sociology and Criminal Justice.
Zach Altneu
Underwriter
Zach joined the team in August of 2023 with nearly 5 years of experience in Cyber, Tech E&O and E&O. Based out of the New York office, Zach is responsible for helping to expand the team’s retail broker relationships across the U.S., as well as growing the RFL Cyber portfolio in the large & complex U.S. corporation space.

He first joined the insurance industry focused on Cyber / Tech E&O at a small national broker, advising clients on and structuring cyber insurance programs for medium and large U.S. risks. He comes to RFL Cyber most recently from Marsh US, where he was a Vice President in the Global Risk Management cyber practice, specializing in advising on cyber risk and placing cyber / E&O insurance programs for some of the largest and most complex corporations in the world.

Zach graduated with a B.A. in Hispanic Studies / Spanish Literature & Language from Hamilton College in 2018.
Kevin Masone
Senior Underwriter
Kevin joined the RFL Cyber team in August of 2023 bringing over 8+ years of Cyber, Tech E&O and E&O experience. Kevin is based in the New York office and is responsible for helping expand the team’s retail broker environment across the U.S., as well as growing the excess Cyber and Tech portfolio. Upon graduating from Providence College in 2016 with a B.S. in Finance, he entered the insurance world with a Cyber underwriting role at Nationwide. Most recently, he’s coming from Talbot U.S. where he had a crucial role in kicking off the U.S. team and growing a sizable U.S. portfolio that specialized in large complex U.S.-based enterprise risks.
Britney T. Rohall
Senior Underwriter
Britney joined the Ryan Financial Lines Cyber team in November of 2023 with 8+ years industry experience. With distribution experience in both Retail and Wholesale channels, Britney opted to expand her skillset into the middle market, national accounts and is now responsible for underwriting new and renewal clients within the EFL Cyber portfolio.

Britney stepped into the world of insurance upon graduation from Kutztown University in 2015, and has never looked back! She began as broker, specializing in Tech E&O and Cyber Liability, and in her most recent role prior to joining the RFL Cyber team, Britney managed the growth of a book in the Northeast Territory at a cyber InsureTech which focused on SMEs.
Marty Manion
Senior Underwriter
Marty joined Ryan Financial Lines (then EmergIn Risk,) in September 2022, bringing over a decade of industry experience. Most recently underwriting cyber, tech, and MPL at Zurich. Before this, he was with Brit overseeing their E – Trading strategy in the US market. His experience includes working with retail and wholesale channel partners on complex assignments for middle-market, and national accounts.
Ryan Kratz
Practice Lead, Cyber & Technology (US)
Ryan is responsible for underwriting new and renewal clients within the Ryan Financial Lines Cyber portfolio. He played a critical role in developing and drafting our [in]tegral and [in]terprise primary and excess product lines and assisting in the transition of the U.S. portfolio to large US-based enterprise risks. Ryan joined RFL cyber 5 years ago, when it was known as EmergIn Risk. Before this, he practiced insurance coverage law for a decade with the law firm of Kissel Stratton & Wilmer LLP. He represented the interests of U.S. and international primary and excess insurers in the areas of cyber liability, professional liability, and employment practices liability. He has a wealth of experience in claims management, coverage disputes, and drafting policy wordings and endorsements. In addition, Ryan is accomplished in evaluating liability and damages and subsequent potential claims exposure to insurers.

In 2021, Ryan led the charge into the U.S. retail broker environment, hunting for new opportunities with untouched markets in the pursuit of risks within the EmergIn large complex appetite.

Ryan has a B.A. in Marketing Management, a J.D., and Esq. He is a member of the New York State Bar.
Mike Maraini
Underwriting Manager
Mike heads up the US Ryan Financial Lines offering for all Cyber and Tech E&O risks. He is responsible for the U.S. portfolio and the management of the U.S. Team. Mike has been fundamental in overhauling the U.S. portfolio and led the successful move away from an extensive portfolio of challenged SME clients – streamlining the book towards revenue growth and away from increased risks within the continental U.S.

Mike joined ThinkRisk (Ryan Specialty’s first MGU) in 2014, prior to the trans-Atlantic merger, and brings more than a decade of experience underwriting/managing Cyber and Technology risks. Before this, he specialized in Management Liability (D&O and EPL) and Professional (MPL and Cyber) coverages.

Mike has a BSc in Business Administration from Pennsylvania State University
Henrik Petersson
Practice Lead, Cyber & Technology (Europe)
Prior to joining Ryan Specialty, Henrik was with Chubb working in different roles within Underwriting and Underwriting management, most currently as Financial Lines & Cyber Manager for Austria. During 2016-2021, Henrik was Cyber Manager for the Nordics at Chubb with responsibilities for building up the practice in the four countries. Henrik brings over 15 years of experience from the Financial Industry, whereof the last 9 years in the insurance industry.

Henrik holds a Master degree in Business and Commercial Law from Linköpings University.
Molly Peeters
Underwriting Assistant
Molly joined Ryan Financial Lines Cyber in June 2024 as an Underwriting Assistant. Her main duties include aiding the team of Underwriters with evaluation and placement of risks, along with internal operational tasks and processes. One of Molly’s key responsibilities is tracking new business accounts as well as renewals to support RFL’s continued growth. Molly is currently completing her Cert CII qualifications.

Prior to joining RFL, Molly worked in the Cyber Security industry as an IT Service Analyst. She holds a First Class BSc (Hons) in Digital and Technology Solutions, specialising in Cyber Security. This background knowledge of Cyber Security is able to support the team when assessing and placing risks.
Alexandra Leventaki
Operations Assistant
Alexandra acts as a key liaison between RFL Cyber, other market operational environments, and shared services. She is responsible for tracking new and renewal accounts, supporting underwriters in their daily business, collating and processing data for monitoring the budget and general portfolio ensuring the processing of premium payments and overall team marketing strategy.

Alexandra has a broad swath of experience both inside and outside insurance, reinforced by her extensive cultural prowess gained through employment in multiple European countries. Her previous U.K. role was a technical administrator alongside engineers processing agricultural insurance claims. She also managed operational requirements for an international flower retail chain in Germany.

In addition to English, Alexandra is a native speaker of Greek and fluent in both French and German. She has studied agricultural engineering to Master's level and holds additional qualifications in business development.
Isabel Farrow
Assistant Underwriter
Isabel joined Ryan Financial Lines Cyber in Autumn 2022 as an Underwriting Assistant. Her main duties included supporting Underwriter’s with the review and placement of risks, as well as assisting with internal processes and operations. Isabel was responsible for monitoring and allocating new business, and tracking renewal accounts to maintain and enhance the growth of the business. In July 2024, Izzy was promoted to Assistant Underwriter and has taken on numerous renewals to help her transition into her new role. Since joining RFL Cyber, Isabel has achieved her Cert CII and has also become certified in Cyber Security via the ISC2.

Prior to joining EmergIn, Isabel has experience being both a Cyber and Political Violence and Terrorism UA. Isabel holds a BA (Hons) in English Literature.
Isabelle Taylor
Assistant Underwriter
Izzy joined Ryan Financial Lines Cyber in January 2023. Izzy helps to generate new business for the RFL Cyber portfolio as well as taking on existing renewals. Izzy previously worked for two years as a broker in the Cyber, Technology E&O and Media team at Marsh in London. Having operated in the wholesale team at Marsh, her particular focus is on large North American-based risks. Through her previous experience she has been able to bring her knowledge of key industry verticals to her underwriting with classes such as Healthcare, Technology, Higher Education, Manufacturing and Financial Institutions.

Izzy has achieved DIP level in the ACII qualifications with full Advanced qualification on track for 2024. Izzy holds an M.A. in International Relations from the University of St Andrews.
Josh Neary-Gibson
Senior Underwriter
Josh joined Ryan Financial Lines Cyber (previously EmergIn Risk) following his transition from a broking background in the London Cyber market. Josh is responsible for the RFL Cyber team’s growth in the LatAm and AsiaPac regions, with a view to expand and diversify our portfolio in those territories. In light of his involvement in several industry-specific projects in past roles, such as a Cyber for Aviation facility, Marine Cyber placement drives and Cyber Property Damage growth, Josh also continues to explore innovative ways to provide added value risk transfer solutions. Josh’s previous roles at Jardine Lloyd Thompson and Marsh UK predominantly focused on both retail and wholesale placements across Europe, Latin America and Australia. Before he entered the London insurance market, Josh spent time in the research field focusing on security studies, geopolitics and Cyberterrorism.

Josh holds a B.A. in Politics & International Relations (1st Class Honours), and is currently pursuing qualifications specifically targeting operational technology.
Thomas Wedlake
Senior Underwriter
Tom joined the Ryan Financial Cyber team as an Underwriter in 2019 when it was EmergIn risk. He has over 10 years’ experience in the market and his role is to assist with the growth of the Cyber and Technology book in London with particular focus on European markets. Tom has been pivotal in the management of the RFL Cyber portfolio, leading new analytical capabilities which provides insight into the performance of the portfolio and is key in informing ongoing appetite and strategy. Prior to joining RFL Cyber, Tom was a Class Underwriter for Talbot Underwriting (now Talbot, an AIG Company) where he worked in the Dubai office building the Property portfolio for the Middle East and Africa for 5 years. Prior to Dubai, Tom worked on the U.S. and International Property Facultative book for Talbot in London for 5 years.
Jessica Campbell
Senior Underwriter
Jessica is a foundational member of the Ryan Financial Lines Cyber team having joined in 2017. Her talent in underwriting, particularly for complex technology E&O covers, combined with her extensive market experience has seen her lead the charge in training and development of both new and experienced hires. Highly respected amongst her market peers, Jess provides significant insight into tactical issues within the Cyber Insurance market. Her unmatched eye for detail is pivotal when conducting portfolio exposure reviews on issues such as Cyber war exclusionary language and the constantly changing market wording landscape. Jessica oversees the North American strategy which represents around 50% of the portfolio. This entails defining and driving strategy, engaging with other team members to drive premium growth for the US market and broker engagements both in London and the US.

Before RFL Cyber, Jessica spent over four years working for Barbican within the Cyber & Technology underwriting team. Jessica holds both insurance and cyber qualifications. She is Dip CII certified while also holding CISMP and CISSP (the gold standard for Cyber security practitioners) cyber certifications.
Peter Williams
Head of Distribution
As Senior Underwriter and Distribution lead Pete's far-reaching market knowledge and relationships allow him to lead on broker interaction and engagement – in turn providing strategic insight to market trends. Peter was with EmergIn Risk at its inception, assisting Jamie Bouloux in the launch and build of the company. He has thirteen years' experience in the London Insurance market both in broking and underwriting roles. Peter has a BSc (Hons) Geography from the University of St Andrews.
Conor Houlihan
Practice Lead, Cyber & Technology (London)
Conor joined RFL in 2019 as Underwriting Manager and now leads London’s Cyber and Technology team, overseeing RFL’s Retail and Wholesale distribution channels in the London market for our large multinational client base. Conor’s areas of industry expertise are manufacturing, heavy industry and energy and is also responsible for RFL’s Property Damage product.

Prior to joining RFL (EmergIn Risk) in 2019, Conor spent a decade as both a treaty and facultative reinsurance underwriter with General Reinsurance UK, focused on property, construction and natural catastrophe exposures. Conor holds a Masters degree in International Relations and an M.B.A. from Warwick Business School.
Paul Johnson
Claims Liaison
Paul has worked for RFL two and a half years as a Claims Liaison. He is responsible for the day to day handling of new incidents and monitoring ongoing matters. Paul has worked in the London Insurance Market for over 40 years predominantly in the FINPRO sector. His Insurance career began in 1983 and in the ensuing years Paul has worked for some of the worlds largest Brokers and Insurers. He also ran the London office of three US Law Firms.
Jamie Bouloux
Chief Executive Officer
At Ryan Financial Lines, Jamie leads the charge on strategy, policy, and governance and acts as the capstone underwriter for all risks. Jamie launched EmergIn Risk London (the predecessor company to Ryan Financial Lines) in 2015 after leading various cyber, technology, and media departments across CFC Underwriting and AIG
Mark Peeters
Managing Director, RFL London
Mark has 30+ years in Financial Lines including 12 as a broker in London and Bermuda. This was followed by Financial Lines underwriting roles in Bermuda, first as CUO of XL Professional Lines and then as CUO of Argo Professional Lines. Here, Mark was responsible for building out the presence in the US, Europe, and MENA.
Patrick Comerford
Managing Director, RFL London PI
Patrick Comerford serves as Managing Director for the Ryan Financial Lines London PI team alongisde Clive Moore. He joined RFL following Ryan Specialty's acquisition of Castel in 2024.

Patrick has nearly forty years’ experience in the insurance industry and is a well-known lead underwriter for many of the world’s leading professional service firms. After six years in the Irish insurance sector, he joined Minet MIPI in London in 1986. He subsequently held senior positions in Willis Faber and, in 1991, joined Johnson & Higgins Inc. to help establish their UK PI business. After sixteen years broking global PI, he moved to AIG/Lexington to start up their professional liability underwriting division in 1996. As Senior Vice President, Patrick was one of AIG’s leaders in construction E&O and professional liability. He joined Pioneer in November 2013 to establish PNA 9987, a Lloyd’s facility writing North American professional liability business.
Clive Moore
Managing Director, RFL London PI
Clive Moore serves as Managing Director for the Ryan Financial Lines London PI team alongisde Patrick Comerford. He joined RFL following Ryan Specialty's acquisition of Castel in 2024.

Clive has over forty years’ in the insurance industry and is a well-known and respected lead underwriter in his market. He is a regular visitor to the US attending many client and broker offices and conferences throughout the year.

Clive commenced his insurance career in 1974 at the AON predecessor company Alexander Howden. He held senior positions in the group, becoming managing director of the casualty and professional liability group in 1989. He left to set up Lloyd’s broker Grosvenor in 1998, specializing in US architect and engineers and law firm professional liability. In 2007, he joined Brit as part of their US professional liability underwriting group. He joined Pioneer in November 2013 to establish PNA 9987, a Lloyd’s facility writing North American professional kiability business.
Sverker Edström
Managing Director, RFL Europe

Prior to his current role within Ryan Specialty Nordics, Sverker was Managing Director for NUAL AB, a subsidiary of Navigators Group Inc., from its formation in 2008 to its acquisition by Ryan Specialty on January 1, 2017.

Sverker has over 25 years of experience in the insurance industry, holding numerous positions on both the underwriting and broker side, with a main focus on Management Liability products.

Sverker holds a Master of Law from Stockholm University.

Walter Craft
Managing Director, RFL Benelux / DACH
Walter Craft leads Ryan Financial Lines Benelux / DACH.

Prior to joining Ryan Financial Lines, Walter was the founder and Managing Director of Geo Europe (part of the Ardonagh Group), of which certain assets were acquired by Ryan Specialty in October 2024. Before joining Ardonagh in 2018, Walter was member of the executive management team of the insurance broking division of NN Group (divested in 2011 from ING Bank). From 1998 to 2006 he had various broking, consultancy and management roles at Aon in both Rotterdam and London.

Walter holds a master degree from Leiden University and an executive MBA from Rotterdam School of Management and has completed executive management programmes at INSEAD (France) and IESE (Spain).
Pascal Alvarez
Managing Director, International Facultative Reinsurance
Pascal leads Ryan Financial Lines Global Facultative Reinsurance.

Pascal launched Capital Bay Underwriting (the predecessor company to Ryan Specialty Latam) in 2017 and brings an extensive experience of 30+ years in Financial Lines, including 24 years at AIG in variety of roles in Continental Europe as well as in Latam & the Caribbean and was also International Head of Financial Institutions.