Our team of experts and thought leaders who have decades of experience in complex fiduciary liability underwriting and claims.
Daniel is the President of Encore Fiduciary, a leading Fiduciary Liability insurance underwriting company for America’s employee benefit plans. Dan has thirty years of experience in the professional liability industry as a coverage lawyer and underwriter, and is a widely recognized fiduciary liability expert and thought leader. He is the author of Euclid’s Fiduciary Liability Insurance Handbook and the fiduciary liability insurance chapter of the Trustee Handbook published by the International Foundation of Employee Benefit Plans. He is a graduate of The Ohio State University and Vanderbilt University School of Law and has achieved the RPLU+ designation from the Professional Liability Underwriting Society. He is very active in his church and local community, including Boy Scouts and coaching youth sports. He is an avid tennis player and long-distance runner, having participated in two Boston Marathons. He lives in Vienna, Virginia with his wife and two young children.
Michael is the Chief Underwriting and Strategy Officer for Professional Liability for Encore Fiduciary. His experience includes underwriting fiduciary liability insurance for multiemployer and public benefit funds, and professional liability insurance for labor non-profit entities. He also has experience with management liability programs for public, private and non-profit entities. Michael has a Bachelor’s Degree in International Business and an MBA in Management from Iona College. Michael and his wife keep very busy with their three young children and Michael enjoys coaching basketball and other activities with his family.
John is the Chief Business Officer of Encore Fiduciary. He has over twenty-five years of experience working with benefit plans in the multiemployer and governmental niche as well as labor non-profits. John has served in the capacity of marketing executive as well as brokerage sales executive. John has a Bachelor of Science degree in Management from St. Francis University in Loretto, Pennsylvania. He is a member of the International Foundation of Employee Benefit Plans and the Professional Liability Underwriting Society. John lives in Avon Lake, Ohio with his wife and family and enjoys golf and travel in his spare time.
Justin is the Chief Underwriting and Business Development Officer for Encore Fiduciary and a professional liability underwriter. His experience includes underwriting fiduciary liability insurance for multiemployer and governmental benefit plans as well as management liability experience for public, private and non-profit entities. Justin has a Bachelor of Science Degree in Business Administration with a specialization in Management Information Systems from The College of New Jersey. Justin and his wife live in Cranford, New Jersey with their three young children. He is also a member of the Cranford Jaycees, an organization active in community service and volunteer fundraising events.
Jeffrey is the Chief Claims Officer at Encore Fiduciary. He has extensive Professional Liability claims experience having worked on Fiduciary Liability, Directors and Officers, Employment Practices Liability and Fidelity claims for leading professional liability insurance companies. Jeffrey has more than 20 years of experience with national insurance carriers, including CAP Specialty, Beazley and Travelers. He is a graduate of the University of Connecticut and has a law degree from University of Connecticut School of Law. Jeffrey is a regular speaker at the American Conference Institute, the ExecuSummit EPL conference and the Professional Liability Attorney Network Conference and is a member of the Professional Liability Underwriting Society. Jeffrey and his wife reside in Colchester, CT with their three young children. In his spare time, Jeffrey enjoys coaching his kids in sports and teaching their Catechism classes. Jeffrey also spends part of his weekends selling Indian food spice blends at various Farmers Markets throughout Connecticut.
Keith is the Chief Underwriting Officer for Management Liability. His experience includes over 25 years in underwriting, finance and accounting. Areas of expertise include management, underwriting financial lines products, mergers and acquisitions, financial analysis, loss portfolio transfers, audit, tax and accounting structures. Keith has served in numerous executive roles including SVP of Executive Liability with Coaction Specialty, Head of Financial Lines and Professional Liability for Everest, EVP of Chubb Financial Lines and nearly 9 years at AIG as SVP of AIG Executive Liability. Keith also worked many years in public accounting as a certified public accountant. Keith and his wife live in Westchester, NY with their three daughters. When he is not coaching youth sports, you will most likely find him in CT wake surfing with his entire family.
Monique Alvarez joined Encore Fiduciary in September 2020. Monique’s experience is in Directors & Officers liability where she wrote complex D&O risks, including E&O coverage for public and private risks including investment advisors, REIT’s and private equity firms. Monique spent time in the London market at Lloyd’s of London as a D&O broker, where the majority of the risks were based in Israel, South Africa, and the UK consisting of public entities, large mining companies, and IT firms that were listed on the LSE. Monique began her career in New York at AIG and Chubb specializing in management liability. Monique holds a bachelor’s degree from the University of Southern California. She is also a member of the Professional Liability Underwriting Society. Monique and her husband reside in Pasadena, CA with their two young boys. In her free time, she is active with her sons’ sports teams and passions in the arts, as well as exploring the California coastline; and travel to visit family in Spain.
Kathleen Santos is a Senior Underwriter with Encore Fiduciary. She joined the team out of college in 2014. Katie started on our Operations Team which led to her interest in Underwriting, where she has been working for the last three years. Katie was recently promoted to Senior Underwriter and has embraced the underwriting role. Katie is a graduate of King’s College with a Bachelor of Science degree in Business Administration. She has passed several insurance certifications and holds the Associate in Insurance “AINS” designation. In her free time Katie enjoys spending time with her fiancé, hiking, floral design and taking care of her two South African Mastiff dogs.
Crystal Thomas is a Senior Underwriter for Encore Fiduciary, a leading fiduciary liability insurance underwriting company for America’s employee benefit plans. She was previously an Underwriter for a leading niche professional liability carrier for three years focusing on fiduciary liability. She started her career in the operations/ underwriting department of a nationally recognized transportation insurance company. Crystal has a Bachelor of Science Degree in Business Management from DeVry University. She is a member of the Professional Liability Underwriting Society and has achieved both her RPLU and RPLU+ designations. Crystal is one of the first professionals to achieve her Cyber Professional Liability Practitioner (CPLP) designations in the country. Crystal and her husband live in Deer Park, NY with their twin sons. When she is not studying for her next designation, she is taking her sons to Tae Kwon DS. She is a self-proclaimed Tae Kwon Do mom.
We’ve put our fiduciary experience and expertise on paper and online in the “Fiduciary Liability Insurance Handbook,” for you to download and gain insight into why it is so critical that coverage is designed to fit an employer’s or entity’s benefit plan. Obtain your complimentary copy here.
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