We are a team of insurance geeks excited by the challenge of helping companies in the Sharing & On-Demand Economy create trust, manage risk, grow and succeed.

The Y-Risk team brings extensive experience in underwriting, product development, risk management, and actuarial analysis. Combining our experience in a creative & innovative environment, free of traditional insurance silos, allows us to thoughtfully approach the unique risks presented by tomorrow’s economy.

We have proudly built a company operating on the leading edge of the insurance industry where we expertly merge the fundamentals of insurance with the fast-paced world of the tech-enabled Sharing & On-Demand Economy.

Leadership
Bernie Horovitz

Bernie Horovitz

Partner | CEO

Bernie Horovitz

Bernie Horovitz

Partner | CEO

bernieh@yrisk.com

Bernie has 30 years in the insurance industry in various management, underwriting and actuarial roles. Prior to forming Y-Risk, Bernie worked at XL Catlin leading the Global Professional business. He graduated from Allegheny College with a BS degree in Math. Bernie looks forward to continuing to live like a millennial even though a few grey hairs suggest otherwise.

Mike Visintainer

Mike Visintainer

Partner | Actuarial

Mike Visintainer

Mike Visintainer

Partner | Actuarial

mikev@yrisk.com

Mike brings 29 years of actuarial and finance experience to Y-Risk. Mike graduated with a BS in Mathematics from Worcester Polytechnic Institute and is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Mike enjoys running, watching football, and a cold IPA (not necessarily in that order).

Katie Duff

Katie Duff

Partner | Underwriting

Katie Duff

Katie Duff

Partner | Underwriting

katied@yrisk.com

Katie joins Y-Risk with more than a decade of Management Liability, E&O and Cyber underwriting experience from Chubb, XL Catlin and, most recently, a Ryan Specialty Group MGA. She is a graduate of Trinity College in Hartford, CT, wishes she was born in a tropical climate and is an amateur race car driver in her spare time.

Aaron Ammar

Aaron Ammar

Partner | Underwriting & Risk Management

Aaron Ammar

Aaron Ammar

Partner | Underwriting & Risk Management

aarona@yrisk.com

Aaron brings a balance of underwriting, risk management and entrepreneurial experience to Y-Risk. Previously, he was Head of Risk Aggregation & Analytics at XL Catlin and co-founder/partner of multiple startups. He earned degrees in Risk Management & Insurance and Finance while playing soccer at Appalachian State. The Texas native enjoys cheering on his home-state teams, staying active outdoors and traveling the globe.

Iain Boyer

Iain Boyer

Partner | Underwriting & Product Management

Iain Boyer

Iain Boyer

Partner | Underwriting & Product Management

iainb@yrisk.com

Iain brings 26 years of experience as an underwriter & intermediary to Y-Risk and our clients. He holds a BA from Hamilton College and an MBA from Bentley University’s McCallum Graduate School of Business. Iain enjoys running, unless he’s being chased.

Jillian Florian

Jillian Florian

Partner | Underwriting

Jillian Florian

Jillian Florian

Partner | Underwriting

jillian@yrisk.com

Jillian started her career in the London market. Moving back to the U.S., Jill worked at IFG Companies as an underwriter before becoming a broker at RT Specialty. She holds degrees in International Business and Finance from Central Connecticut State University and spends as much time on a mountain, hiking, biking and skiing, as possible.

Wendy Dowd

Wendy Dowd

Managing Director| Underwriting

Wendy Dowd

Wendy Dowd

President | Y-ProTech

wendyd@yrisk.com

Wendy has 25 years of specialty insurance experience in various management, underwriting, product development and innovation roles. Most recently, Wendy was the Global Manager of the Technology Segment for a leading global insurer. Wendy is a graduate of Pomona College and is a Chartered Financial Analyst (CFA). Longstanding vendetta with the local bear aside, Wendy enjoys being outdoors, gardening and feeding her backyard birds.

Sharmy Dhaliwal

Sharmy Dhaliwal

Underwriting Analyst

Sharmy Dhaliwal

Sharmy Dhaliwal

Underwriting Analyst

sharmy@yrisk.com

Sharmy started her career at Lincoln Financial Group after graduating from Trinity College with degrees in Public Policy & Law and Philosophy. She will be starting at The University of Connecticut’s School of Law in the fall of 2018. When this native New Yorker isn’t behind a book or at the beach, she’s found valiantly supporting the Knicks – despite some letdown.

Abby Visintainer

Abby Visintainer

Intern

Abby Visintainer

Abby Visintainer

Intern

abby@yrisk.com

Abby is a rising senior at Hamilton College where she is majoring in Math and minoring in Literature. She is rarely found without country music in her headphones and a book in her hand.

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