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.net

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.

Thad Hall

Thad Hall

Partner | Business Development

Thad Hall

Thad Hall

Partner | Business Development

thad@yrisk.net

Prior to founding Y-Risk, Thad was at XL Catlin where he focused on innovation, new products, strategy and investments. He began his career at the RAA in Washington, DC, before taking a finance position at Travelers. Thad holds a BA in Political Science from the University of New Hampshire and an MBA in Finance from Cornell University. He enjoys playing sports and keeping fit.

Mike Visintainer

Mike Visintainer

Partner | Actuarial

Mike Visintainer

Mike Visintainer

Partner | Actuarial

mikev@yrisk.net

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.net

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.net

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.net

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.net

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

President | Y-ProTech

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.

Our Partners