Resume
DEDICATED & EXPERIENCED
Pathpoint
President and Chief Revenue Officer
2021- 2025
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Created a sales and distribution strategy to take sales from $0 to $90,000,000+ of GWP as a wholesale broker in 4 years
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Designed and implemented the fully digital go to market strategy that resulted in over 45,000 agents registering with Pathpoint and over 4,000 monthly active users on the pathpoint platform submitting over 12,000 applications a month
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Developed a marketing plan utilizing AI in all aspects of sales team development, agent education, and agent profiling to establish efficient best practices
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Innovated the method to partner with agent aggregation networks and lead the effort that resulted in over 30 Networks and Agent Groups as clients​
National Flood Services
CEO
2019 - 2021
Transition from an organization leveraging corporate shared services to a fully functioning standalone company within six months of taking the role
Reorganized and realigned senior leaders by implementing a flattened organizational structure, creating an senior leadership team and developing a growth strategy with clear short and long term objectives
Oversee the strategy and development of an industry leading technology platform that centralizes all flood insurance solutions in a user friendly microsite environment
Secured long term contracts with current clients and lead efforts to secure several new large clients
Lead and develop new product and sales vision to return company to top line growth and profitability
Insureon Solutions-Â Insurance Noodle, LLCÂ
President- CEO
2010- 2019
Leadership & Innovation
Responsible for all operations, sales, product, carrier, client, and services of the company reporting to the CEO of Insureon Holdings, LLC
Executive Committee member, reporting to the board, set strategy and financial projections for the company
Technology & Sales
Created the industry’s first digital wholesale broker
Built a digital multi line - multi carrier MGA and underwriting unit
Built the first admitted and non-admitted seamless product delivery system and digital online user experience to include application, real-time multicarrier quoting, immediate binding, policy issuance, and policy service including renewal
Delivered top line sales growth strategies to lift company sales from $22m in 2010 to $380m in 2018. Projecting 2019 growth to top $490m GWP and $1B of premium
Produced superior underwriting profit with all major carrier partnerships.
Regularly achieved the maximum payable on the Profit sharing tables annually.
Average loss ratio with carriers is <20% since 2010
Change Management & Investor Relations
Brought company to profitability through expense reduction and increased sales
Conceived and implemented operational strategy to rehabilitate failing company
Renegotiated carrier commission structures, vendor contracts, and fee income
Initiated and lead the sale of company to Insureon Holdings LLC
Lead transition and integration efforts with new owner and key clients
Interacted with current and potential investors via various meetings and due diligence activities
Negotiated new contracts with carriers, vendors, and new B2B clients
CRC/ Crump/ Bysis/ Tri-city Brokerage
Partner, Executive Vice President
2001-2010
Developed and built a technology enabled national Binding Authority Unit based in Chicago, Illinois overseeing numerous MGA and small account operations throughout its history as Tri-City Brokerage, BISYS and Crump.
Established several Lloyds of London, and domestic carrier underwritten programs
Built operational platform utilizing various technology platforms including creation of proprietary rating system
As Leader of Corporate Marketing, incorporated 30 companies under one brand
Ralph has over 40 years of leadership in the insurance industry, having held prominent roles at some of the largest and most esteemed companies in the industry. Most recently, he served as President and Chief Revenue Officer at Pathpoint, the first digital wholesale brokerage for commercial property and casualty insurance. Ralph spearheaded the go-to-market strategy from concept to rapid growth leveraging technology to enhance sales operations and marketing. Prior to Pathpoint, he was the Chief Executive Officer of National Flood (NFS), where he revitalized the company by modernizing its technology platform and securing significant contracts, reversing revenue losses and achieving profitability within two years. Before NFS, Ralph held executive roles at Insureon/Insureon Solutions and Insurance Noodle, where he transformed a failing operation into a profitable entity by introducing innovative technology and enhancing workflows. He played a key role in the sale of Insurance Noodle to Insureon and continued to drive growth through product expansion and strategic partnerships. Earlier in his career, Ralph held various leadership positions at respected insurance firms such as Crump, CRC, TIG, and AIG. Ralph is recognized for his ability to turn underperforming operations into successful ventures through comprehensive reengineering, generating rapid growth and profit. His extensive experience and focus on technology enable to develop initiatives that enhance efficiency, drive revenue growth, and improve organizational effectiveness. He possesses a vast network of industry relationships that facilitate company expansion and is a strong advocate for efficiency in distribution and operations.
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Ralph’s Specialties:
- Developing insuretech businesses from inception to rapid growth
- Optimizing processes and distribution to drive profitability
-High energy, communication, creativity, and goal-setting abilities
-Developing growth strategies for consistent revenue and profit
- Strong leadership and motivational skills
--Strong decision-making and planning
- Strategic direction with tactical management using data to monitor metrics
- Team-based collaboration is his core value