In this episode of Risk Ready, PRMA sits down with aviation insurance specialist Samantha Money to explore the complex liability, regulatory, and coverage issues that often go unnoticed by aircraft owners and even their trusted advisors. From the misconception that a personal umbrella policy extends to aviation-related claims to the unique challenges surrounding owner-flown aircraft, international travel, charter arrangements, and fractional ownership, this conversation sheds light on the hidden exposures that can leave affluent families under protected. 

Listeners will also learn why aviation specialists should be involved early, the most common mistakes made during aircraft acquisitions, and the critical questions wealth advisors, family offices, and insurance professionals should be asking to ensure an aviation program aligns with a client's broader risk management strategy. 

Whether you advise private aviation clients or simply want a better understanding of one of the most specialized areas of high-net-worth risk, this episode offers valuable insights into protecting complex assets in an increasingly sophisticated environment. 

In this episode of Risk Ready, Bryant Kolle sits down with Tom Ruggie, Founder and CEO of Destiny Family Office, to explore how family offices think about risk through a broader lens. From governance and reputational concerns to emerging lifestyle exposures and generational wealth transitions, Tom shares how sophisticated families approach protection in an increasingly complex world. 

The conversation examines where insurance fits within a larger wealth preservation strategy, the importance of coordination among trusted advisors, and what family offices expect from insurance professionals serving high-net-worth clients. 

Ultimately, this is a conversation about moving beyond policies and becoming a true strategic advisor, helping families protect not only what they own, but what they value most. 

🎧 Listen now to gain a family office perspective on risk, protection, and long-term wealth preservation. 

In this episode of Risk Ready, Bryant Kolle sits down with Josh Ackerman and Laura Garcell of Ackerman Group to unpack how K&R risk is evolving closer to home becoming more domestic, digital, and opportunistic. 

From real-world drivers of exposure to the biggest misconceptions families still hold, this conversation moves beyond theory into practical guidance. The discussion highlights where advisors play a critical role—not just in insurance placement, but in helping clients think proactively about visibility, access, and preparedness. 

This is ultimately a conversation about awareness, not fear and how advisors can better support clients before risk becomes reality. 

🎧 Listen now and rethink how you approach K&R risk with your clients. 

In this episode of Risk Ready, host Bryant Kolle sits down with Paul Maurer-Batjer and Mark Braun to explore what recovery truly looks like for $10M+ homes. Through the lens of restoration professionals and industry experts, they break down how early decisions, estimating discipline, and coordination across carriers, brokers, and recovery teams shape the entire outcome. 

They also dive into the human side of loss. In high-net-worth claims, it’s not just about restoring property it’s about protecting privacy, legacy, and trust. 

If you work with high-net-worth clients, this episode offers practical insights on what to look for in post-loss partners and how the right approach can make all the difference in the recovery process. 

In this episode of Risk Ready, Spencer Houldin sits down with Bryant Kolle, former Chair of the PRMA Board of Trustees, for a thoughtful conversation about governance, continuity, and the responsibility of guiding a member-driven organization through change.

Bryant reflects on his time in board leadership, the importance of culture and consensus, and how PRMA can continue to serve private risk professionals in an increasingly complex landscape. Together, they explore what sustainable growth really requires, and why relationships remain at the core of everything PRMA does.

In this episode our host, Spencer Houldin, Managing Director Gallagher Private Client, sits down with special guest, Scott McCollum, Founder & Chief Solutions Officer at McRoof.  With over 20 years of experience, Scott is nationally recognized for his expertise in resilient, fortified roofing systems that reduce loss and improve insurability. 

In this episode our host, Spencer Houldin, Managing Director Gallagher Private Client, sits down with special guest, Kareen Boyadjian, Vice President of Underwriting at Tokio Marine HCC – Cyber & Professional Lines Group. 

Kareen Boyadjian, Vice President of Underwriting at Tokio Marine HCC – Cyber & Professional Lines Group. Based out of Los Angeles, Kareen is leading the charge when it comes to navigating some of the toughest and fastest-changing risks in the industry, especially around personal cyber insurance. 

In this episode our host, Spencer Houldin, Managing Director Gallagher Private Client, sits down with special guest, McKeel Hagerty, CEO of Hagerty, a global leader in automotive enthusiast services and specialty insurance.  

From generational trends shaping car collecting, predictions for the future of the collector vehicle market, and McKeel Hagerty's top book recommendations for growth and inspiration, this episode is packed with wisdom. Whether you're a broker looking to enhance your expertise or a car enthusiast intrigued by the industry's evolution, we invite you to tune-in! 

McKeel Hagerty is the Chief Executive Officer and driving force behind Hagerty, an automotive enthusiast brand offering integrated membership products and programs as well as a specialty insurance provider focused on the global automotive enthusiast market. Based in Traverse City, Michigan, the company has more than 1,600 employees in the U.S., Canada, the UK and Germany. Hagerty’s purpose is to save driving and preserve car culture for future generations and its mission is to build a global business to fund that purpose. In December 2021, Hagerty Inc. joined the New York Stock Exchange as a publicly traded company under the ticker symbol HGTY. 

In this episode our host, Spencer Houldin, Managing Director Gallagher Private Client, sits down with special guest, Ross Bowie, President & Chief Risk Officer of Private Client Select Insurance Services (PCS). Formerly known as AIG Private Client Group, Ross provides transparent insights into the future of the high net worth and ultra-high net worth space under PCS. 

Ross shares his career journey, the transparent vision for PCS and what it means for brokers, clients, and the future of the HNW market. Whether you’re a broker, insurance professional, or simply curious about the changing landscape, you won’t want to miss this episode! 

In this episode our host, Spencer Houldin, Area President of AJ Gallagher, sits down with special guest, industry expert Ty Harris, CEO and Co-Founder at Openly as they discuss the transformative potential of technology in the insurance industry, emphasizing the importance of leveraging technology for enhanced broker efficiency, improved pricing accuracy, and reduced expenses, while also addressing challenges and necessary changes for achieving this vision. 

Ty Harris is the CEO and Co-Founder of Openly. Before founding Openly, Ty spent 12 years at Liberty Mutual. As EVP and Chief Product Officer, Ty led an organization responsible for product, pricing, underwriting, and innovation across all personal lines of business.   Prior to Liberty Mutual, Ty conducted research
at the Brookings Institution and taught economics and statistics at MIT and
Northeastern. A Duke and MIT alum, Ty is also a fully credentialed actuary
(FCAS).   Ty lives in Charleston, South Carolina with his wife and two kids. He's an enthusiastic runner, snowboarder, windsurfer, and dad! 

In this episode, we embrace the future of home protection and dive deep into the world of leak detection systems. Spencer Houldin sits down with Gwen Banas, Founder of Water Security Solutions, to uncover how brokers can better overcome client skepticism and increase the adoption of leak detection systems among homeowners. Gwen also shares the latest advancements in technology and explores upcoming trends and innovative concepts that could transform leak detection and home protection. 

Gwen Banas is President & Founder of Water Security Solutions, LLC, the leader in water security consulting and distribution, and national installer support for homes and condos of affluent and high net worth clients and carriers nationwide.  Prior to WSS, she worked in disaster restoration with ServiceMaster where she performed initial research and testing of early water security devices.  In 2006, she began consulting to assists carriers, plumbers and homeowners with water security system selection, application and installation and now works with the widest variety of options offered.  Today, she and her team help homeowners across the USA and Canada, assess their homes and lifestyle to get the most compatible leak protection systems installed correctly and certified to meet manufacturers’ specifications and carrier underwriting requirements with the support of thousands of network installers.  Gwen served on the IAPMO Standards Technical Subcommittee helping to develop national standards for testing and approval of water leak protection systems and has unrivaled experience to support end-users in their water security endeavors. 

In this episode, join Spencer Houldin and Jerod Blakestad, co-founder of Monoline, as they delve into the future of technology in our industry and, more particularly, AI's impact on our space.  Are you keeping up with the development of Artificial Intelligence?  Do you worry it may replace jobs?  These are crucial questions, and we will explore them in depth. 

Jerod Blakestad, co-founder of Monoline, is an accomplished insurance entrepreneur with a proven track record of establishing and expanding successful enterprises. Jerod has worked in nearly every aspect of the insurance industry, including working for a carrier and large national broker, having had his own agency, which he sold to Marsh & McLennan Agency in 2017, and co-founding the track insurance company, OpenTrack.

Lacey Garrison Strom is Heffernan’s Executive Vice President, and Director of Family Office. With close to two decades of experience and a dedicated Private Client team, Lacey specializes in personal insurance risk management consulting for successful individuals and family offices both domestically & internationally. Lacey educates families & wealth managers on the complexities that come with their unique affairs, Trust/LLC ownership structures, domestic and foreign assets, public profiles, and hobbies..

Podcasts mentioned:

• Up First
• The Daily
• How I Built This
• Armchair Experts

 In this episode with Brian Farrell of Farrell Law & Consulting, Spencer and Brian discuss the crucial topic for independent agents serving high-net-worth clients – the intricacies of excess liability in the world of insurance. Brian, who has a 30-year career as a trial lawyer, managing attorney, and insurance professional, dives into the question of how much coverage is sufficient for individuals and the significance of having the right carrier and contract during a lawsuit. Additionally, Brian sheds light on the effectiveness of trusts or LLCs and whether they are truly foolproof during lawsuits.   

Brian has a 30-year career, including as a trial lawyer, managing attorney, and insurance professional. Brian holds an LLM in Insurance Law from the University of Connecticut School of Law and has extensive expertise in general liability, personal lines, excess, employment practices liability, D&O, and E&O cases. 

 In this episode with Scott Carmilani, Executive Chairman & Chief Executive Officer at Vault Insurance, Spencer and Scott explore the factors influencing construction costs, the need for pricing models to adjust to changes in the construction landscape, and the historical context surrounding homeowners' contracts.  Scott has transitioned through different positions in the insurance industry, he brings a unique "outsider's" viewpoint to high-net-worth personal insurance. 

Scott started his career at AIG where over the course of 15 years he held various management roles. From there he became Chairman and CEO of Allied World which was eventually purchased by Fairfax Insurance entities. At Fairfax he served as the President of Strategy and Distribution.   

In this episode, Spencer Houldin, CEO of Ericson Insurance, sits down with Diane Delaney, Executive Director of PRMA, to talk about what’s new with the organization in 2024, uncover essential resources that every member should know about, and how to get more involved with the PRMA community. 

In April 2017, Dan was appointed the President for Personal Lines and oversees all aspects of running this business.  Dan brings extensive experience in leading and empowering talent, delivering business results, and financial acumen to the organization. 

Prior to joining The Hanover, Dan spent six years at Liberty Mutual in leadership roles in M&A and personal lines finance.  

Spencer M. Houldin is the President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

Spencer M. Houldin is the President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

Spencer M. Houldin is the President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

As Vault’s CEO, Charles’ work is defined by his ability to lead a high-performing team and foster their unique talents while simultaneously easing pain points for customers. His experience includes more than 20 years leading and growing some of the industry’s most successful institutions. Charles loves to compete against himself and others. He is an avid crossfit athlete and an ex-triathlon competitor, as well as a strong supporter of the Challenged Athletes Foundation, which provides and teaches those with physical disabilities to use sports gear or equipment.  https://vault.insurance.

 


Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Spencer M. Houldin is the President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

Steve Poux is AIG's  Private Client Group’s Global Head of Risk Management Services & Loss Prevention.  Steve joined AIG in 2000 as one of the founding members of AIG Private Client Group and, a few years later, was the principal architect of AIG Private Client Group’s Department of Loss Prevention, which was the first practice of its kind within the high-net-worth personal lines industry.  Today, he oversees a team of seasoned risk management specialists who help high net worth individuals and families maximize safety and proactively reduce the likelihood of suffering a loss.






Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Spencer M. Houldin is the President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

Kathy Tierney says the best things happening in our business right now will come from looking at what we do through a totally different lens, having a little bit of fun with it, and not being afraid to experiment and take inspiration from unlikely places.

She joined Berkley from a position as chief operating officer of another high-net-worth personal insurance division. Her career has included leadership positions in specialty insurance, strategic development, and surety.

Though she has won many awards for her accomplishments in the insurance industry, Kathy says she’s proudest of two things: her efforts to expand opportunities for women in insurance, and the fact that she can impress her two teenaged boys when she tells them about what Berkley One is doing.  She holds a B.A. from Williams College and an MBA in finance and economics from NYU’s Stern School of Business.






Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Spencer M. Houldin is President of Ericson Insurance Services. He has 30 years of experience as a personal insurance advisor and leads Ericson’s high net worth personal insurance division.

Paul Viollis, Global Business Leader, Accomplished Author, and TV & Radio Personality.  For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of their respective vertical markets. On his speaking tours, his hands on expertise in subject areas of behavioral analysis, leadership development, corporate espionage, extortion/stalking, cyber security, family protection, and workplace violence allows him to develop unforeseeable insights that will have you at the edge of your seat and captivate your audience. From corporate executives and high profile individuals to private families and sales teams, each attendee will leave with a renewed sense of focus and re-energized with information that can be easily and expeditiously implemented.



Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Kimberly Lewis is AVP, of Underwriting Execution at PURE Insurance and is responsible for process improvement and standardization to increase underwriting effectiveness and consistency of decision-making. Kimberly is also responsible for managing underwriting technology enhancements to improve the ease of risk selection and usability. She has over 20 years of experience in the personal insurance space, with the last 16 years spent at PURE Insurance.

Kimberly Lewis is AVP, of Underwriting Execution at PURE Insurance and is responsible for process improvement and standardization to increase underwriting effectiveness and consistency of decision-making. Kimberly is also responsible for managing underwriting technology enhancements to improve the ease of risk selection and usability. She has over 20 years of experience in the personal insurance space, with the last 16 years spent at PURE Insurance.

Kimberly Lewis is AVP, of Underwriting Execution at PURE Insurance and is responsible for process improvement and standardization to increase underwriting effectiveness and consistency of decision-making. Kimberly is also responsible for managing underwriting technology enhancements to improve the ease of risk selection and usability. She has over 20 years of experience in the personal insurance space, with the last 16 years spent at PURE Insurance.

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Topics will include: 

State of the Market: A Heated Sellers Market // Auction results in 2021 through Amelia Island 2022 

Trends: Online Auction Platforms, Emerging collector vehicles, new auction house bidders/buyers, and factors driving high sale results 

Insights regarding NFTs and collector vehicles. Auction houses have started to sell them and we will share our research
 

The panelists will include: 

Brian Rabold, VP President of Automotive Intelligence - Presenter 

John Wiley, Manager of Valuation Analytics – Presenter 

Arianne Whittaker, Sr. Risk Advisor – Q&A 

Kathy Chandler, National Partnership Leader – Q&A





Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Ric Serritella – Sports Illustrated Publisher, NFL-Draft Bible
Lauren Bailey – AIG Private Client Group
Jonathan Fajen – PURE Programs
Scott Teller – Chubb Personal Risk Services
Les Edelman – AMWINS
Bill Godfrey - Vault

Moderated by:

Zyggi Nemzer – USI Insurance Services
Kevin Madden – AMWIN




Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages. 

Matt Hougan, Chief Investment Officer of  Bitwise, one of the largest and fastest-growing crypto asset managers. Matt, is one of the world’s leading experts on crypto, ETFs, and financial technology. He previously helped build the world’s first ETF data and analytics system, the leading ETF media site, and the world’s largest ETF conference. Matt is co-author of two publications for the CFA Institute Research Foundation: “A Comprehensive Guide to Exchange-Traded Funds” and “Cryptoassets: The Guide to Bitcoin, Blockchain and Cryptocurrencies for Professional Investors.”  He is a crypto columnist for Forbes, a three-time member of the Barron’s ETF Roundtable, a member of the ETFdb’s ETF Hall of Fame, and the eighth person to receive a Lifetime Achievement Award from ETF.com.

Sheri Jamme, Principal of Global Family Enterprise at Newfront Insurance Brokers, a Forbes 50 Fintech company. For over fifteen years, she has been creating both personal and commercial insurance strategies for some of the world’s wealthiest families, inclusive of many listed on the Forbes 400. She is The Founding Chapter Chair of The Private Risk Management Association for the Pacific Southwest.




Disclaimer:

All content and materials are the property of the Private Risk Management Association (PRMA) and Subject-Matter-Experts working on behalf of PRMA. Information and practices are included in the material; however, the Private Risk Management Association makes no representations or warranties with respect to the fitness or suitability of the educational content for any particular purpose beyond providing insights and information on topics of interest to the membership that require further review. The information contained is not intended and should not be construed as a recommendation for a specific client coverage or solution. Neither the Private Risk Management Association nor any expert or author providing educational content to PRMA shall be liable for any loss of profit or any commercial damages, including but not limited to special, incidental, consequential or other damages.