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about nas

Specialty Made Simple

We are a unique specialty insurance market with distinct capabilities in product development, underwriting, marketing, risk management and claims handling – integrated insurance services that simply help you grow your business.

NAS offers a broad range of specialty products for the ever-changing needs of corporations, professionals, non-profits and affinity groups.  As an independent underwriting manager, we have strong partnerships with Lloyd’s of London and other highly rated carriers.  This allows us to develop and deliver products like MEDEFENSE™, NetGuard™ Cyber Liability, Tenant Discrimination, Sexual Misconduct & Molestation Liability, and customized programs to meet your emerging business needs.

 

CONTACT

NAS Insurance Services, LLC

 

Los Angeles

16501 Ventura Blvd. Suite 200
Encino, CA 91436

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(818) 382-2030 tel
(818) 382-2040 fax

info@nasinsurance.com

 

Atlanta

12600 Deerfield Parkway, Suite 100
Alpharetta, GA 30004

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Boston

101 Federal St. Suite 1900
Boston, MA 02110

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Chicago

10 S. Riverside Plaza Suite 875
Chicago, IL 60606

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CA License #0677191

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Getting to Know NAS

THE MANAGEMENT

Ed Robin
Chairman Email Us
Ed entered the commercial insurance business after running a successful law practice in Los Angeles. Recognizing the impact of litigation on business operations, Ed left law to spearhead the growth of NAS. 20 years later, NAS is a leading insurance innovator, having pioneered cutting edge products like EPLI, MEDEFENSE™ and e-MD™.


Richard Robin
CEO Email Us
Rich isn’t your typical insurance guy. After graduating from Colby College, he lived in Israel, served in the Israeli Defense Forces and then worked in investment management. Rich joined NAS in 1994. While working full time, he earned an MBA from Loyola Marymount University. As CEO, Rich brings broad business expertise to NAS with a mission to develop and place innovative products that meet demand, make good business sense and are easily delivered.


David Lloyd
COO Email Us
Dave joined NAS in October of 2010 to help manage and grow the reinsurance business, set strategic direction for NAS Online and oversee day-to-day operations. Prior to NAS, Dave was Senior Vice President at Venbrook where he ran retail and wholesale operations, client services and automation. Dave’s career began in software and web development, including e-learning programs for Fortune 500 companies and an IPO at an internet banking company. He holds a BA in Communication Studies from UCLA.


Michael Palotay
Chief Underwriting Officer Email Us
Michael Palotay has been at NAS since 2009, managing production and strategy for the NAS Underwriting Department. Michael is a key leader in product strategy, marketing, production management and underwriting for NAS. He joined NAS to develop a Technology & Cyber Liability product, offering what is now recognized as one of the broadest on the market. Michael began his insurance career at American International Group and focused on Technology Services and Security & Privacy product lines.


Jill Linhardt
Executive Vice President Email Us
Jill started at NAS in the Underwriting Department in 1994. Her years in underwriting give her a unique perspective on claims. Jill enjoys communicating with NAS insureds directly, putting them in touch with attorneys and vendors who can assist them in resolving their claims efficiently and without too much disruption to the operations of their daily business. She earned a B.A. from Columbia University and graduated from Loyola Law School.


Jeremy Barnett
Senior Vice President, Marketing Email Us
Jeremy joined NAS in 2012 to develop innovative marketing programs as well as lead NAS' online business activities. With over 15 years of marketing and software development experience, Jeremy aims to simplify communications in the commercial insurance business, encourage more straight talk, and use fewer acronyms. Prior to NAS, Jeremy led digital product development and marketing programs for Charles Schwab, Toyota, Credit Suisse, HP and Sony.


Phil Rajewski
Vice President, Technology Email Us
As the technology leader for NAS since 2003, Phil has been responsible for modernizing the company’s infrastructure and taking the office ‘paperless.‘ In addition, Phil has led the development and implementation of our business intelligence tools and guided our evolution to transacting business online. He is currently managing the development of the NAS Online platform, a state-of-the-art system allowing clients to quote and bind NAS products directly from their web browser.


Michelle Totanes
Vice President, Human Resources & Admin Email Us
Michelle joined NAS in 2012 with over 14 years of HR experience. She is responsible for development of HR strategies and overseeing all human resources functions including recruiting, on-boarding, payroll, benefits and employee relations. Michelle has an MBA and is certified as a Senior Professional in Human Resources (SPHR) as well as a SHRM Senior Certified Professional (SHRM-SCP).


Getting to Know NAS

THE UNDERWRITERS

Melvin Osswald
Vice President Email Us
As a leader of our Program Underwriting team, I am responsible for servicing our program partners' underwriting needs for core as well as higher limit products. Each of our programs has unique coverages and I am available to help with training, rollout and on-going submissions.

Brian Alva
Vice President Email Us
As the Product Specialist for our Allied Healthcare program, I get a lot of inquiry and interest in our Medical Malpractice coverage for the growing classes of Medical Spas and diagnostic imaging clinics. I can help structure your insured’s PL/GL, and also customize it to include our e-MD cyber liability coverage and MEDEFENSE endorsements.

Anita Bryant
Asst. Vice President, Underwriting Email Us
As a leader in our Program Underwriting group, I support our partners' implementation of various programs, including e-MD Cyber and MEDEFENSE products. From agent training on the coverages, to support with our NAS Online quoting tools, I am here to make submissions (and renewals!) easier.

Gil Cujcuj
Underwriter Email Us
I lead our EPLI team, and I am also part of the Managed Care and Healthcare Consultants E&O team. While conditions in the EPL market continue change, we at NAS have evolved our approach to provide better and faster service.

Matthew Thoburn
Asst Vice President, Underwriting Email Us
As part of the broad NAS Healthcare team, I am the product manager for Long Term Care and Social Services. Demand for a robust PL/GL product is greater than ever as more Baby Boomers retire and more Long Term Care facilities open their doors. I continue to see a growing number of Personal Care Homes, as well as Independent and Assisted Living Facilities. Smaller facilities (6 beds or less) are increasingly popular requiring more affordable coverage. NAS Online offers agents the ability to easily quote and issue coverage for these small facilities, with premiums as low as $1,100.

Desiree Khoury
VP, Specialty Reinsurance Email Us
As the Specialty Reinsurance Manager, I can help you create a custom program for your membership. Whether you're a mutual insurance carrier or association, we can tailor coverage as part of your PL/GL so you can offer your members added benefits. We provide turnkey services from custom product development through claims support, so let me know how I can help!

Career Opportunities at NAS

Director of MarketingApply

The Director of Marketing formulates marketing strategy and provides creative direction for the on-going production of marketing, advertising, and promotional materials.  The Director of Marketing must possess extraordinary marketing project management skills, exceptional copywriting skills, and superior interpersonal skills necessary to provide effective management of external partners, internal clients, and marketing team members.

Essential Duties and Responsibilities:

  • Responsible for development and implementation of effective marketing plans and budgets
  • Provides creative leadership and concept development of advertising and collateral materials to support sales and marketing programs
  • Supervises and manages Art Director and Marketing Specialists
  • Plans and oversees execution of promotional activities including trade shows, conferences, advertising, digital media, direct mail, and PR
  • Composes, proofreads, and distributes company communications, email blasts, advertising and press releases
  • Proofreads and updates company website, intranet and company related external website material and content
  • Conducts market research and analysis of current market conditions and competitor information
  • Works internally with product managers to determine requirements for existing and future products
  • Acts as a liaison with company vendors and negotiates contract terms
  • General administrative duties as assigned

VP, Southeast Regional Underwriting Manager (Atlanta, GA)Apply

POSITION DESCRIPTION:

The VP, Southeast Regional Underwriting Manager manages the development, implementation and management of the organization’s underwriting function in the Southeast region. Responsibilities include ensuring the policies, procedures, process, and quality review programs align with the company’s business goals and values. They will continuously partner with other leaders within the organization to ensure the unit is an integral and influential part of the business.

 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Participates in the development of company underwriting standards and objectives and assures they are being met and consistently applied.
  • Develops a high performing team of employees through effective coaching, mentoring and training.
  • Responsible for the development and management of product and policy forms and filings.
  • Makes recommendations for modifications of the underwriting program to maintain the continuity of the underwriting effort.
  • Stays current on underwriting trends and market activities of the competition.
  • Reviews referrals on product for team.
  • Serves as product expert.
  • Monitors and manages workflow for product.
  • Reviews claims and works with Claims Department and Counsel to manage risk.
  • Communicates with London, as necessary.
  • Works with Legal on policy form (endorsement, language, intent, etc.)

 

COMPETENCIES:

  • Strong operational capabilities with a proven track record of developing, implementing and overseeing quality processes, procedures and policies that improve business operations.
  • Must have a high level of interpersonal skills to handle sensitive and confidential situations.
  • Excellent written and verbal communication skills.
  • Must be able to interact and communicate with individuals at all levels of the organization.
  • Must be familiar with a variety of the field’s concepts, practices and procedures.
  • Knowledgeable of Microsoft Office (Word/Excel/PowerPoint/Outlook) and other applications relevant to the business.

 

EDUCATION AND EXPERIENCE:

  • Bachelor’s degree in business or insurance-related area is required.
  • Three to five years experience as a professional liability underwriter.
  • Five years of proven management and or underwriting team leadership.

 

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 5 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

WORK ENVIRONMENT:

While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time.

The noise level in the work environment is usually moderate.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Senior Software Engineer (Encino, CA)Apply

POSITION DESCRIPTION:

NAS Insurance Services is a national leader in cyber security insurance and innovator in specialty commercial insurance services located in Encino, CA. NAS has embarked on an ambitious effort to create a state-of-the-art insurance platform and is looking to hire an experienced and passionate Software Engineer. The ideal candidate can work in a fast paced environment and has a broad technical skill set with strong object-oriented development skills.

 

RESPONSIBILITIES:

  • Help design and develop software to a new modern architecture on AWS
  • Maintain codebase (LAMP stack) of our current insurance platform
  • Design and develop new features as specified by Product Management
  • Accurately estimate the scope and effort required to deliver complex projects
  • Work with product managers and fellow engineers to come up with creative solutions
  • Work with QA group to develop test cases
  • Attends regular Scrum sessions and participate in design meetings as needed

 

SKILLS & QUALIFICATIONS:

  • Proficiency with at least two of the following languages: PHP, Java, C++, C#, Python
  • Experience with any PHP framework (Zend, Symfony, Laravel, etc) or an ability to present a sound understanding of one of these frameworks.
  • Can quickly learn and work effectively with existing code, new frameworks, technologies or cloud services.
  • Strong understanding of OOP concepts, design patterns and coding best practices
  • Experienced in REST API development, MySQL and relational database design.
  • Working knowledge of HTML5, CSS3, JavaScript, AJAX and jQuery
  • Must have strong communication, collaboration and analytical skills
  • Familiar with web security best practices
  • Comfortable working with the LAMP stack
  • Experience architecting, developing and supporting enterprise class or high availability systems.
  • Experience with AWS is a plus

 

EDUCATION AND EXPERIENCE:

  • Bachelor’s degree in computer science or engineering or a related field
  • 3+ years of relevant -software engineering experience is required

 

PERFORMANCE EXPECTATIONS:

  • If you are the type of engineer that is a fast learner, has great attitude and can meet or exceed the following expectations within the first 3 months, we want to talk to you!
  • Demonstrate an excellent understanding of the code base and the current system architecture by being able to whiteboard it, make significant enhancements and changes to it and bring valuable recommendations and ideas in design and development discussions.
  • Exhibit a high level of personal and collective responsibility and collaborate effectively in a fully cross functional Agile/Scrum environment.
  • Contribute to the design and architecture of the new system or a new component in it.
  • Demonstrate technical leadership and ability to influence peers to develop extensible and high quality software.

 

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 5 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

WORK ENVIRONMENT:

While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time.

The noise level in the work environment is usually moderate.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Claims Manager (Encino, CA)Apply

POSITION DESCRIPTION:

Claims Manager analyzes coverage for complex claims submitted under the applicable policy form.  The duties of a Claims Manager include discussing claim facts and coverage issues with insureds, defense counsel and/or coverage counsel, and reinsured clients, particularly on more complex matters. Duties also include managing reinsurance programs; this entails training and supervising of claims examiners.  Claims Manager must possess critical thinking and strong oral/written communication skills.

 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Takes responsibility for training and supervising of Claim Examiners as needed
  • Performs file audits and employee performance reviews and makes recommendations
  • Reviewing submitted claims for coverage, and making a determination as to whether a matter is covered under the applicable policy.
  • Independently investigating complex claims and coverage issues.
  • Independently review examiners’ action plans, including coverage recommendations, and verify appropriate action is taken.
  • Establishing and revising claim reserves based on claim developments and counsel liability assessments.
  • Issuing coverage determination letters, including reservation of rights and denial letters.
  • Appointing and liaising with defense and/or coverage counsel, as appropriate.
  • Obtaining updates from defense counsel and/or coverage counsel and/or the Insured, as appropriate.
  • Authorizing settlements based on liability and other considerations within settlement authority provided by Underwriters or reinsured client.
  • Conduct detailed bill reviews to ensure appropriate payment.
  • Maintaining a claim file by accurately documenting all communications, activity, etc.
  • Communicate with brokers or reinsured clients to obtain information necessary for processing claims.
  • Attending mediations, arbitration, etc. as needed.
  • Managing reinsurance programs.
  • Negotiating claims-handling protocols with reinsured clients and drafting the same based on agreed to terms.
  • Updating senior claims staff and the Reinsurance Team on program developments and reinsured client feedback; advising examiners of same, if appropriate.
  • Attending meetings with reinsured clients.

 

COMPETENCIES:

  • Strong leadership and management skills
  • Extensive written and verbal communication skills are needed to provide proper supervision of claims activities
  • Ability to use computer software and database applications related to claims services.
  • Strong typing skills.
  • Excellent customer service and communication (verbal and written) skills.
  • Attention to detail.
  • Time management skills; ability to assist examiners in prioritizing their workloads.
  • Demonstrates a high level of professionalism with co-workers, management and clients.

 

EDUCATION AND EXPERIENCE:

  • High school diploma or GED required.
  • Bachelor’s degree preferred.
  • Knowledge of Microsoft Office.
  • Previous experience as Senior Claims Examiner.
  • A minimum of 12 years of handling claims experience.
  • A minimum of 5 years of managing or supervising claims personnel.

 

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

WORK ENVIRONMENT:

While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time.   

The noise level in the work environment is usually moderate.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Claims ExaminerApply

POSITION DESCRIPTION:

NAS is currently looking for a dynamic Claims Examiner to handle liability and reinsurance claims. The position does not involve medical billing or health insurance. The ideal candidate will be enthusiastic, analytical, customer-service oriented and have excellent communication skills.  This position will be fast-paced, challenging and diverse with hands on instruction. 

ESSENTIAL DUTIES & RESPONSIBILITIES:

  • Work with other Claims Examiners in evaluating claims on various specialty insurance products, including cyber liability, and errors and omissions policies.
  • Make decisions about whether to approve or deny claims based on applicable coverage and facts gathered in the course of the coverage investigation.  
  • Work closely with company management and various internal staff, clients, clients’ attorneys, and other external customers to gather information and follow up.
  • Job duties include writing multi-page letters to clients and attorneys. Candidate must have the ability to write business letters as well as communicate in a professional manner.
  • Job functions include analyzing information, formulating conclusions and making sound decisions.

SKILLS & QUALIFICATIONS:

  • Candidate must stay organized, pay attention to detail and work independently.
  • Excellent written and oral communication skills are a must. Candidate should be able to detect discrepancies and variances in wording, grammar, spelling and numbers.
  • Good computer skills required.
  • Problem-solving and analytical abilities are required.
  • Good customer service skills and a pleasant demeanor.
  • Must be a great team player.
  • Should be motivated and in search of a challenging position.
  • A minimum of 1 year general office experience is preferred.
  • Insurance experience may be helpful, but is not required.

 EDUCATION:

  • Bachelor's Degree preferred.
  • Recent graduates are encouraged to apply

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

WORK ENVIRONMENT:

While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time. The noise level in the work environment is usually moderate. 


Senior Underwriter (Professional Lines)Apply

POSITION DESCRIPTION:

The ideal candidate for this position is one that has experience underwriting professional insurance lines - Professional Liability and/or Cyber Liability are preferable, but candidate’s experience in Management Liability, Employment Practices, or Medical Malpractice will be seriously considered.  Experience transacting surplus lines business with various insurance brokers in a fast paced production environment is also ideal.  This position has clear and distinct accountability for business results, and will be responsible for marketing Company products and services and developing and maintaining significant agency or broker relationships. This position will also have management responsibilities, and will be involved in developing entry level underwriting employees into proficient underwriters.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Work independently to process new and renewal business submissions
  • Analyze risk to determine terms and conditions of coverage
  • Develop underwriting arguments to explain underwriting decisions
  • Interpret and analyze claims files
  • Works efficiently with the underwriting team to meet turnaround goals
  • Communicates with brokers and develops strong working relationships
  • Marketing- visit clients and explain underwriting products and appetite
  • Demonstrate excellent knowledge of product
  • Follow all procedures and guidelines to provide insurance terms to clients
  • Assists the support staff in resolving problems and questions

SKILLS AND QUALIFICATIONS:

  • Ability to read and interpret an insurance contract
  • Ability to write reports and risk analysis
  • Effectively present information and answer questions from groups of managers, clients and customers
  • Calculate figures and amounts such as discounts, interest, commissions, proportions and percentages
  • Solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists
  • Interpret a variety of instructions furnished in written, oral, diagram, or schedule form
  • Read and understand financial statements, construction contracts, applications, computer printouts, rating manuals and other insurance related materials
  • Bachelor’s degree in business, accounting, finance, economics or a related field
  • 1-5 years of professional insurance experience

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

When possible, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

WORK ENVIRONMENT:

While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time. The noise level in the work environment is usually moderate.