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Isaac Muller is a veteran insurance executive with many years of industry experience. Mr. Muller began his career as a CFO of a large NY PEO (employee leasing firm). In that capacity, he amassed a wealth of knowledge in negotiating and managing the statutory insurance for all clients of the organization, including workers compensation and disability insurance. He also instituted the risk management policies for each client and developed an internal claims handling office to maximize their profits while controlling their losses.
Mr. Muller later founded Broad Coverage Service, a full-service commercial insurance brokerage firm. As president and CEO since its founding in 2006, Mr. Muller led his team in providing insurance services, loss control, risk management, insurance consulting and employee benefits packages to its clients. Mr. Muller has a keen familiarity with insurance regulations and specializes in building large and customized insurance programs to meet clients’ specific needs.
As the CEO of HNIC, Mr. Muller is committed to leveraging his insurance expertise and industry relationships to create and manage insurance programs that are desirable to prospective clients and profitable to their companies. His leadership is key to the Highview team’s success.
Estee Lowy is exceedingly proficient in operating insurance entities. She has successfully managed several insurance operations, utilizing her comprehensive knowledge of insurance regulations and expert management skills.
Ms. Lowy is a risk and claims management professional, who began her career as a claims adjuster and supervisor of a claims team. As COO and Claims Manager of Dynamic Claim Services, Ms. Lowy skillfully combined the best claim practices and the best technology to provide remarkable claims and risk administration programs for her clients. Her methods have led to a significant reduction in her clients’ claims costs, with a simultaneous increase in the quality of service.
Ms. Lowy designed and implemented company policies to combine cost effective claims management with aggressive risk management to both prevent accidents from occurring and to minimize the exposure of ongoing claims. She was responsible for supervising the risk and claims management team and ensuring maximum quality control of all aspects of the risk and claims process. Ms. Lowy also served as the key liaison between carriers, brokers, agents, employers, excess carriers, risk and claims management personnel. Her proficiency has created safer work environments, reduced loss ratios, and increased customer satisfaction.
In her role at HNIC, Ms. Lowy manages all aspects of the daily operations to ensure efficiency, maximize profitability, and design and achieve goals to advance company growth.
John Harris is a commercial insurance professional, who has delivered consistent underwriting results, built and expanded multiple underwriting units, and developed insurance talent for over 35 years. He is an accomplished leader, with comprehensive underwriting, brokerage, and reinsurance skills for Fortune 1000 companies, as well as smaller commercial accounts, including middle market and program business.
Mr. Harris learned his craft by underwriting books of business for some of the largest insurers in the world, including AIG, Ace, Reliance National, and Tokio Fire and Marine. He also served as the underwriting compliance officer for several large insurance carriers, working with state regulators and their insurance departments, the NAIC and the NCCI. Mr. Harris has also piloted policy administration platforms for four carriers including HNIC.
Mr. Harris is lauded for his expert development of underwriting guidelines and implementation of innovative practices, which have created superior customer relationships and results.
He is a licensed Insurance Producer as well as an accomplished speaker at many insurance functions and conferences. He graduated from La Salle University and holds a BS in Business Management.
Richard Foran is a renowned insurance consultant with comprehensive experience in insurance producing, underwriting, and management. Mr. Foran’s career began in 1979 with a position as an underwriter. His skill and knowledge quickly earned him a prominent position in the insurance industry. Throughout his career, he has held various positions in upper management for large insurance carriers. This included senior level positions at Arthur J. Gallagher & Co., AIG, and Continental Insurance Company. He has proficiently managed large insurance accounts, including those of several Fortune 500 companies.
Mr. Foran spearheaded the profitable development of several large specialized programs. He has also successfully directed sizeable teams of insurance staff while conducting and supervising underwriting, claims, loss control, and reinsurance operations. Furthermore, he worked closely with state and rating agencies in many states, as well as brokers, agents, and insurance departments to successfully administer all aspects of the insurance platform.
Utilizing his extensive knowledge and experience, he later served as President and CEO of Gateway Insurance Company. During that time, his effective management of the entire insurance operation resulted in an improved A.M. Best Rating and a significant increase in net profit in a short period of time.
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