About Us

About Us

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.

The Team
Amy Blanco

Amy Blanco

Senior Underwriter

Amy Blanco

Amy Blanco

Senior Underwriter

amyb@yrisk.com

Amy joined Y-Risk after 12 years in reinsurance. Formerly, she was at AspenRe where she worked in different capacities, most recently multi-line property/casualty underwriting. She earned her degree from the University of Connecticut, enjoys spending time with her three kids, vacations on the beach (without the kids when possible) and extra-large coffees on the daily.

Bernie Horovitz

Bernie Horovitz

CEO of Y-Risk

Bernie Horovitz

Bernie Horovitz

CEO of Y-Risk

bernieh@yrisk.com

Bernie has more than 30 years of experience 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 life like a millennial even though a few grey hairs suggest otherwise.

Dan Powell

Dan Powell

Dan Powell

Dan Powell

danp@yrisk.com

Dan brings more than 30 years of actuarial experience to Y-Risk. He graduated with a BS in Electrical Engineering from Worcester Polytechnic Institute, is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Dan is a fan of all Boston sports and plays as much golf as possible.

Elvis Chidozie

Elvis Chidozie

Elvis Chidozie

Elvis Chidozie

elvisc@yrisk.com

Elvis began his career in management consulting as a data professional and has worked in various technical roles for firms in the financial services and insurance industries. He is now using this experience to deliver data engineering solutions to Y-Risk customers. Elvis is a graduate of Central Connecticut State University with a degree in Computer Engineering Technology and is an avid cyclist who enjoys spending time outdoors, preferably, without a laptop.

Frederick Owens

Frederick Owens

Frederick Owens

Frederick Owens

frederick@yrisk.com

Frederick has been in the insurance business for more than 20 years in various claims and sales roles. He earned his undergraduate degree in Communications/French from Oakwood University and holds an MBA from Albertus Magnus. Frederick loves to talk insurance which makes him a huge hit at cocktail parties and in his spare time enjoys eating, running, biking, and doing his best to embarrass his 3 kids.

Iain Boyer

Iain Boyer

Chief Underwriting Officer

Iain Boyer

Iain Boyer

Chief Underwriting Officer

iainb@yrisk.com

Iain brings over 30 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.

Jessica Seaha

Jessica Seaha

Senior Underwriter - Cyber & Innovation

Jessica Seaha

Jessica Seaha

Senior Underwriter - Cyber & Innovation

jessica@yrisk.com

Jessica comes to Y-Risk from AXA XL with more than 10 years of experience in internal audit, underwriting operations, and cyber underwriting. She’ll be using those skills to not only expand the Y-Risk Cyber book but also spearhead some exciting new usage-based insurance projects. Jessica graduated from Eastern Connecticut State University with a Business degree and enjoys hiking, spending time with her husband and new daughter, and helping at her family’s Italian specialty market during the holidays.

Katie Duff

Katie Duff

Director of Operations

Katie Duff

Katie Duff

Director of Operations

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 volunteers at a goat farm in her free time.

Kevin Cornell

Kevin Cornell

Kevin Cornell

Kevin Cornell

kevinc@yrisk.com

Kevin joined Y-Risk from The Hartford’s Alternative Market Placement team in small commercial. He is a graduate of Southern Connecticut State University and a Chartered Property & Casualty Underwriter. When Kevin is not deep-diving into a deal, he likes to binge-watch entire seasons of addictive crime dramas.

Melissa Brady

Melissa Brady

Underwriting Assistant

Melissa Brady

Melissa Brady

Underwriting Assistant

melissab@yrisk.com

Melissa joined Y-Risk as an Underwriting Assistant in October of 2019. After earning a Culinary Arts degree, she made a career in the hospitality industry. Managing guests, including the occasional unhappy one, and raising three girls has positioned her well for a career in insurance.

Mike Visintainer

Mike Visintainer

COO, Head of Actuarial

Mike Visintainer

Mike Visintainer

COO, Head of Actuarial

mikev@yrisk.com

Mike brings more than 30 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).

Sharmy Dhaliwal

Sharmy Dhaliwal

Underwriter & Legal Analyst

Sharmy Dhaliwal

Sharmy Dhaliwal

Underwriter & Legal 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. Fall of 2018, she started working towards her J.D. at The University of Connecticut’s School of Law. When this native New Yorker isn’t behind a book or at the beach, she’s found valiantly supporting the Knicks – despite some letdown.

Wendy Dowd

Wendy Dowd

Head of Innovation & Solutions Design

Wendy Dowd

Wendy Dowd

Head of Innovation & Solutions Design

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.