Insight Risk Solutions is a wholesale insurance provider offering a broad range of products designed to address property and casualty exposures, with a specialization in coastal and catastrophe-prone regions throughout the United States.
As a premier insurance partner, we are committed to delivering exceptional customer service, responsive claims support, and reliable insurance solutions that provide policyholders with lasting peace of mind.
Our primary focus is supporting small to medium-sized retail insurance agencies with fast, accurate quote turnaround and access to comprehensive, cost-effective coverage options. We understand that your success depends on efficiency, responsiveness, and trusted expertise. That is why we strive to make doing business with us simple, seamless, and productive.
To support your agency’s growth, we have developed streamlined policy administration systems that provide quick quoting, efficient processing, and specialized expertise in both commercial and personal lines business. Our goal is to equip you with the tools, resources, and underwriting support needed to better serve your clients while enhancing your operational efficiency.
Our Management Team
David M. Flitman, Chief Executive Officer
Mr. Flitman has 30+ years of experience in the insurance and reinsurance industries. His credentials include Fellow of Casualty Actuarial Society (FCAS) and Member of the American Academy of Actuaries (MAAA). Mr. Flitman began his career as an analyst at Insurance Service Office (ISO) from 1993 to 1996, followed by several roles from 1996 to 2001 at WR Berkley Group, including Assistant Vice President and Chief Actuary of Berkley Mid-Atlantic Group. In 2001, Mr. Flitman began a career in reinsurance, joining XL Reinsurance America and ACE Tempest Re USA. In 2004, Mr. Flitman transferred to Bermuda, serving as to serve as Chief Actuary of Tempest Re Bermuda followed by several roles at Flagstone Re (from 2006 through 2012), including Chief Actuary and Executive Director of Global Property Underwriting.
Steven M. Hoffman, Chief Financial Officer
Mr. Hoffman is a Certified Public Accountant and began his career in public accounting with PwC. After holding the position of Revenue Manager for a software company in New York City, in 2025 Mr. Hoffman moved to Florida in 2005 where he worked for MetLife on the Sarbanes-Oxley team responsible for the design, implementation, and compliance of the company’s internal control over financial reporting. Mr. Hoffman spent four years as the Assistant Controller of HCI Group, a publicly traded property and casualty insurance company located in Tampa.
Gus Fernandez, Chief Underwriting Officer
Mr. Gus Fernandez, Chief Underwriting Officer, is a distinguished insurance executive with over 45 years of deep expertise in the property and casualty sectors. His extensive career is defined by his ability to lead operations, spearhead product development, and navigate complex regulatory and market landscapes. With nearly five decades of hands-on experience, Mr. Fernandez remains a pivotal figure in the insurance market, consistently delivering leadership in underwriting, market expansion, and operational excellence.
Jennifer Cotugno, Chief Claims Officer
Ms. Cotugno oversees the legal team and external counsel in all aspects of property and casualty litigation activities. In 2021, Ms. Cotugno took on increased leadership responsibility as the Chief Claims Officer, building where she has built a highly capable team of in-house and field-based claims personnel. Ms. Cotugno was an in-house attorney for HCI Group, a litigator at the law firm of Beighley, Myrick & Udell, P.A., and a prosecutor at the Miami-Dade State’s Attorney’s office. Ms. Cotugno has been licensed to practice law in Florida since 2007 and in Louisiana since 2010.