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ABOUT US

Financial lines experts working harder for the right solution

We go beyond conventional underwriting by employing creative thought and careful examination to uncover what works for customers

Our underwriters have decision making authority for timely, effective, and efficient service. Our presence in New York, Paris, and Cologne ensures wordings in local languages.

Our staff embraces a guiding principle to be responsive, respectful, and accurate. This commitment and resolve strengthens our relationships with the brokerage community so that together, we can customize our product offerings and services to fit customer needs.

Meet The Team

United States

Europe

Partners and Affiliates

NEW YORK

Stephen McGill Applied Financial Lines

Stephen McGill

President

+1 (415) 672-7472 | spmcgill@auw.com

Prior to joining Applied Financial Lines, I served as Chief Underwriting Officer of AIG’s Validus Specialty Group, and prior to that as group head of professional lines at ARGO. Additionally, my long career includes positions at XL and then Catlin for a total of 16 years, as well as positions at Executive Risk, Alexander & Alexander, and Sedgwick. I hold an MBA from Virginia Commonwealth University and was graduated from Allegheny College with a bachelor of science degree. I have been an active volunteer in United Way and participate in RIMS, PLUS and other industry organizations.

Suzanne Delio Applied Financial Lines

Suzanne Delio

Vice President, Underwriting Counsel

+1 (402) 205-5161 | scdelio@auw.com

I have spent my entire legal career in the insurance and insurance defense fields. My first several years were spent as an Associate at a New York City firm where I defended the City of New York in Section 1983 Claims in addition to defending construction liability and other tort matters. I spent the next 15 years at National Carriers, where I served as Claims Director for over a decade. I have extensive experience in all professional lines, property and casualty (admitted and non-admitted products). I graduated with a B.A. with honors from Fordham University and a Juris Doctorate from St. John’s University School of Law.  I also spent nine years as an adjunct professor teaching media law at Fordham University.

Andrew Filus Applied Financial Lines

Andrew Filus

Assistant Vice President, Commercial D&O and Financial Institutions

+1 (862) 365-9035 | adfilus@auw.com

After graduating from Newcastle University in the United Kingdom with a degree in Political Science, I started my insurance career with DUAL in London. After DUAL, I joined Sompo International as an Underwriter and, before joining Applied Financial Lines in July 2021, I worked as a Senior Underwriter with AXIS Capital in New York specializing in Financial Institutions.

Vincent Regina - President - Cyber - Applied Financial Lines

Vincent Regina

Vice President and Co-Leader of Cyber

+1 (732) 397-4227 | vdregina@auw.com

I began my insurance career at Liberty Mutual, where I spent two years in the corporate development program, rotating through roles in Boston, New York, and London. I ultimately settled in the professional liability space writing cyber, tech E&O, and MPL. Throughout my career, I have managed a small business cyber program, handled vendor relationships, developed policy wording and account guidelines, and programmed multiple technology platforms. Most recently I helped launch the cyber and professional liability book of business at CelerityPro. I have a BA from Montclair State University and an MBA from Rutgers Business School.

Lauren Markowski - Vice President of Cyber - Applied Financial Lines

Lauren Markowski

Vice President and Co-Leader of Cyber

+1 (631) 664-2379 | lemarkowski@auw.com

I have 20 years of professional liability experience at the reinsurance and primary level. I previously held the role of account manager at CelerityPro where I helped launch the cyber/professional lines book. Prior to that role, I managed a cyber liability treaty portfolio at Transatlantic Reinsurance Company and handled cyber, miscellaneous professional liability and technology E&O accounts at Liberty International Underwriters and AIG. I also have claims experience from the reinsurance and primary side. I have a BA from University of Notre Dame and an MBA from Dowling College.

Sylvia Teng - Underwriting Manager - Cyber - Applied Financial Lines

Sylvia Teng

Underwriting Manager of Cyber

+1 (909) 342-8878 | syteng@auw.com

I have been in the insurance industry since 2016. I previously held the role of Lead Underwriter at CelerityPro, where I wrote Cyber and Professional Liability. Prior to that, I worked on Financial Institution business at CNA Insurance, where I specialized in D&O, E&O, EPL, FID, and Crime products. I began my insurance career at Travelers as a National Accounts Intern and have also worked for Chubb, where I was a Global Mobile assurance Intern. I graduated from St. John’s University, where I majored in Risk Management and Insurance.

LOS ANGELES

Stephen Loupee - Vice President - Applied Financial Lines

Stephen H Loupee

Vice President, Commercial D&O and Financial Institutions

+1 (818) 749-3877 | shloupee@auw.com

I began my career with AIG in 2003, ultimately managing the public book for the Southwest until my departure in 2016 as a Vice President. Joining Argo Pro in 2016 as a Vice President, I established the first local presence for the Southwest. From 2019 until joining Applied Financial Lines, I worked as a Broker with CRC. I hold a bachelor of arts degree from the University of California, Santa Cruz majoring in business management economics.

SAN FRANCISCO

Cary Nichols Applied Financial Lines

Cary Nichols

Chief Underwriting Officer, US

+1 (415) 385-9504 | ctnichols@auw.com

Before joining Applied Financial Lines in April of 2021, I served as Senior Vice President, Underwriting, at Argo in their Professional Lines division and prior to that as West Regional Vice President at Everest National Insurance Company. My 25 years of experience in Professional and Management liability also includes positions at Arch for a total of 10 years, as well as positions at Chubb, Executive Risk, and Integro. I hold a bachelor of science degree in finance with a concentration in Real Estate from the University of Connecticut and I am a licensed Resident Insurance Producer in California, currently based in San Francisco.

CHARLOTTE

Thomas Owen - Applied Financial Lines - Vice President

Thomas Owen

Vice President, MPL and APL

+1 (443) 534-6060 | tdowen@auw.com

I began my career as an environmental underwriter in 1992. Over the course of three decades, I have underwritten and managed underwriting teams writing Professional Liability, Environmental Liability and Contractor’s business. Prior to joining Applied Financial Lines, I managed the Specialty Casualty Division at specialty MGA DUAL North America. I received my bachelor of science degree in Biology from Gannon University in Erie, Pennsylvania. I currently reside in Charlotte, North Carolina, and have been active in my community, including 25 years as a wrestling coach at the elementary, middle and high school levels.

SCOTTSDALE

Keith E. Dau - Vice President - Applied Financial Lines

Keith E. Dau

Vice President, Private D&O

+1 (312) 835-0476 | kedau@auw.com

Before joining Applied Financial Lines in September of 2021, I served as the Senior Managing Director for Navigators Insurance, a brand of The Hartford. I was responsible for Private Management Liability lines focusing on the Wholesale distribution channel. I have nearly 20 years of experience in Professional and Management Liability including positions with Great American Insurance and Travelers Insurance. I hold a bachelor of science degree in finance and accounting from the University of Wisconsin – Superior.

CHICAGO

Kim Noble - Vice President, LPL and APL - Applied Financial Lines

Kim Noble

Vice President, LPL and APL

+1 (312) 550-1808 | kknoble@auw.com

I began my career as a lawyer representing directors & officers, lawyers, accountants, and public and private companies in employment practices disputes. I have over 25 years of professional liability experience managing E&O programs at Argo Pro, OneBeacon, GE Westport and St. Paul Companies. As SVP at Thompson Flanagan, I advised law firms on coverage, claims and risk management. I have a bachelor’s in Business Administration and Economics from Drury University and a law degree from the University of Missouri. I am a member of DRI, PLUS, CLM, claimsXchange and PLDF.

R Davis Isinger - Vice President of Healthcare, Hospitals and Allied Health - Applied Financial Lines

R. Davis Isinger

Vice President of Healthcare, Hospitals and Allied Health

+1 (312) 415-8218 | rdisinger@auw.com

Before joining Applied Financial Lines, I spent 22 years underwriting healthcare professional liability at Lexington/AIG. My journey began in San Francisco and then led me to Los Angeles, where I managed the Southwest region for seven years. I then moved to London to lead Lex-London’s healthcare operations for five years. Upon returning to the U.S., I took on the role of overseeing Lexington’s healthcare field operations. Throughout my career, I've gained extensive knowledge in hospitals, allied health, long-term care, life sciences, and medical groups. I hold a B.A. in Economics with a Business Emphasis and a Minor in Biology from the University of Colorado-Boulder.

Chris Jones - Assistant Vice President - Applied Financial Lines

Chris Jones

Assistant Vice President

+1 (847) 712-0193 | cbjones@auw.com

I began my insurance career in the special investigations unit of a small New England-based mutual insurance company. I have spent the past 25 years in professional liability underwriting with companies such as GE Westport, OneBeacon, Argo and AXA before joining Applied Financial Lines in 2022. I hold dual undergraduate degrees from Providence College in Providence Rhode Island and am a member of the Professional Liability Underwriting Society. I live in the northwest suburbs of Chicago with my wife of 25 years and our two children. 

WASHINGTON D.C.

William Barvick - Vice President, Healthcare - Applied Financial Lines

William Barvick

Vice President, Healthcare

+1 (703) 304-2411 | wvbarvick@auw.com

I began my career more than 20 years and have extensive experience in the Healthcare Professional Liability insurance domain, spanning across brokerage, MGU, and carrier roles. Before I took on the role to lead the healthcare team at Applied Financial Lines, I spent nine years at CNA Insurance. During my time there, I held various leadership positions in underwriting and distribution within the Aging Services and Allied Healthcare teams. Most recently, I was as the Allied Healthcare Director for the eastern region of the United States. I earned my bachelor of arts degree from the University of Dallas. Outside of my professional life, I enjoy spending time with my family, watching middle and high school volleyball, coaching little league baseball, and riding my bike.

PARIS

Jeroen Claesen - Applied Financial Lines

Jeroen Claesen

President & CUO, Europe and Middle East

+33 (0)6 12 24 61 61 | jclaesen@auw.com

After having started my career at XL Insurance in the International Financial Lines based in Paris and focusing on the French, German, and Benelux markets, I joined Catlin to build a successful Financial Lines book in Europe from 2008 until 2015. In 2015, a new challenge awaited me at Starstone International, where I had the opportunity to restructure the existing Financial Lines portfolio and set a foundation for profitable growth. I am pleased to bring my extensive experience to Applied Financial Lines.

Aurélie Anger - Applied Financial Lines

Aurélie Anger

Senior Underwriter

+33 (0)6 30 09 72 01 | aanger@auw.com

I started my career in 2007 at Nassau Verzekeringen as a D&O / K&R underwriter. It was a great challenge to participate in the development of this newly arrived entity in France. In 2014, after a stint at CNA where I was able to broaden my knowledge of financial risks, I joined StarStone Insurance as Senior Underwriter Financial Lines. I am delighted to continue this exciting job at Applied Financial Lines.

Faustine de la Ferté - Applied Financial Lines

Faustine de la Ferté

Underwriter

+33 (0)6 71 64 26 74 | fdelaferte@auw.com

For four years I applied my skills in insurance law and risk management for the benefit of StarStone International's clients. I am passionate about the challenges of Financial Lines underwriting, and I continue to expand my skills in risk analysis and corporate finance to provide Applied Financial Lines clients with the insurance solutions that meet their needs.

Eugénie de Logivière - Applied Financial Lines

Eugénie de Logivière

Underwriter

+33 (0)6 07 65 23 10 | edelogiviere@auw.com

I joined Applied Financial Lines in 2020 after working for two years at StarStone Insurance in the Financial Lines Underwriting department. Prior to that I completed Law school with a Master’s degree in Business Law and a two-year Master’s degree in Insurance Law from the Institut des Assurances de Paris-Dauphine.

COLOGNE

Tobias Klein - Applied Financial Lines

Tobias Klein

Senior Manager D/A/CH

+49 160 633 2826 | tklein@auw.com

I began my career as a corporate attorney at DUAL Deutschland GmbH, Cologne, Germany in 2006. In 2007, I joined the German desk of HCC in Barcelona as a financial lines underwriter. In May 2010, I was appointed Senior Underwriter Professional Lines at Torus Insurance (Europe) AG, Cologne, Germany, which later was renamed to StarStone Insurance SE, where I helped to build up a profitable portfolio. In October 2020 I joined Applied Financial Lines as Senior Manager for Germany, Austria, and Switzerland.

Applied Financial Lines is an Independent Affiliate of Applied Underwriters®

Applied Underwriters is a global risk services firm that helps governments, businesses and people manage uncertainty through its business services, insurance, and reinsurance solutions. As a company, Applied Underwriters has been distinguished by its innovative approaches to client care and by its strong financial strength. Applied Underwriters operates throughout the U.S. and globally. Its operational headquarters is located in Omaha, Nebraska. Click here for more information.

The Independent Affiliates at Applied Underwriters

The independent affiliates at Applied Underwriters have access to all of Applied’s deep corporate and intellectual resources. Each affiliate adheres to all of Applied Underwriters’ corporate audit, cybersecurity, and risk management standards. Applied stands behind the financial responsibilities of all of its consolidated operating companies.

The History Behind the Applied Logo

Since the early 1600s, the St. Bernard has been known as a powerful working dog, respected for its dependability, strength, and intelligence. These characteristics, combined with the animal's unwavering determination, ingenuity and a strong sense of smell and direction, allowed the St. Bernard to be trained as a reliable snowstorm rescue dog, helping save thousands of lives throughout the centuries.

While the St. Bernard is no longer used as a rescue dog, its personality and capabilities accurately symbolize the Applied Underwriters brand: strong, dependable, intelligent, and diligent.

The Partners at Applied Underwriters

The managing partner of an independent affiliate has decision making authority over most business matters including underwriting, distribution, reinsurance, and choice of paper.

Each partner holds a significant economic interest in his or her operation creating an alignment of economic interests for all stakeholders involved. We believe that the manager who is both the visionary and, on the ground closest to the actual operations, can best respond to the needs of our customers, our agents and brokers, as well as our insurance and reinsurance partners.

Applied Underwriters and its operating partners are bound together through a common attitude and approach along with complementary skills and experiences. We offer up our demonstrated ability to lead the industry in risk analysis and underwriting, powered by an entrepreneurial mindset and the strength of large-scale global resources. Together with our partners we create the kind of partnerships that generate sustained profits able to weather the next economic storm.

Our insurance carriers are rated 'A-' (Excellent) by AM Best Company to secure a strong full and sustainable insurance placement. This top rating is assigned only to companies that have, in AM Best's opinion, an excellent ability to meet ongoing obligations to their policyholders.

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Offered through both Admitted and Excess & Surplus lines carriers, Applied Risk Services Inc, Licenses available on request or in California through AU Insurance Services, Inc: California License Number 0D78336.

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