Meet All Risks' Workers' Comp Team!

Meet All Risks’ Workers’ Compensation Team!  At All Risks, it’s not just our top carrier status and exclusive access to many market relationships that sets us apart from our competitors, it’s our awesome people.  Learn some fun facts about our dynamic WC team members and see why agents love working with All Risks and are enjoying success after success!


Joe Feitz  |  Assistant Vice President

Joe and his daughter Charlotte participated in this year’s “Alcatraz Sharkfest Swim." 
With the endurance to go the distance, they swam 1.5 miles from Alcatraz to shore!

Joe Feitz, AVP Broker, believes that a lot of his success has come from creating meaningful relationships not only with clients, but also with our carrier partners.  He’s a veracious consumer of information about the business world, the economy and risk management.  Joe enjoys writing trucking, restaurants with delivery, cannabis and many other classes of business.  He’s been a driving force in launching new business segments at All Risks, building proprietary products and growing his own WC underwriting team in the process.

Phone: 800-366-5810, ext. 3913
States: AK, AZ, CA, CO, HI, ID, KS, MO, MT, NV, OR, UT, WA, WY


Danielle Julien  |  Brokerage Underwriter

Danielle loves riding horses and is always ready to grab the reins on a tough account.
She clears all obstacles to put her clients on the fast track to unbridled success!

Danielle Julien is a Brokerage Underwriter with over 15 years of experience in the industry with several years spent on the carrier side. Outgoing, dedicated & driven, Danielle enjoys writing all WC classes, including artisan contractors, manufacturers and restaurants. Danielle welcomes the challenge of writing accounts with a tough loss history. Placing a risk with a carrier that can help provide loss control and excellent claims handling is rewarding to Danielle, as she knows her clients will benefit from those services.

Phone: 800-366-5810, ext. 6105
States: AK, AZ, CA, CO, HI, ID, MT, NV, OR, UT, WA, WY 


Susan Loving  |  Brokerage Underwriter

From snorkeling to sunsets to the wonderful people, Susan loves traveling to Jamaica.
With each trip, Susan brings back a broader perspective to the table for her clients.

With over 30 years in the business, Susan has seen it all.  She enjoys writing all classes of business, including restaurants with delivery, waste managementjanitorial and non-emergency medical transportation.  Efficient, hard-working and dedicated to her WC clients, Susan doesn’t just write an account and hand it over to an assistant, she stays involved and is extremely responsive, should any issues arise.

Phone: 800-366-5810, ext. 4243


Karen Berhalter  |  Underwriter

Family is everything to Karen and she loves spending time with her grandson, Callaway!
Driven by her sense of family values, Karen can always be depended on to help.

Never intimidated by a tricky account, Karen Berhalter enjoys the variety of Workers' Compensation classes she sees on a daily basis including automotive services, manufacturing, healthcare and construction related risks.  Karen began her career as a claims examiner for multiple states and brings her deep understanding regarding the claims process to better educate her clients on how claims activity affects their business.  Caring, organized and honest, Karen finds a great deal of satisfaction in helping an agent out with a hard-to-place risk.

Phone: 800-366-5810, ext. 4293
States: AL, DE, DC, KY, LA, MS, NJ, NC, PA, SC, VA, WV 


Sandy Higgins  |  Brokerage Underwriter

Sandy enjoys going to painting parties with her friends and family.
Her artful blend of hard work and creativity gets picture perfect results for her clients.

Whether an account is small, large, split risk, low-mod, high-mod or a new venture, Sandy has seen it all.  Her wide-range of insurance experience includes having been a multi-line underwriter, as well as a Personal Lines underwriter.  Sandy enjoys writing restaurants, trucking, non-emergency medical transportation, among many other classes of business.  Friendly and knowledgeable, Sandy isn’t daunted by a hard-to-place account, regardless of the challenge it may present.

Phone: 800-366-5810, ext. 4239
States: AR, CA, CT, FL, IA, IL, IN, ME, MD, MA, MN, MI, NE, NH, ND, OH, RI, SD, VT, WI


Justin Scott  |  Brokerage Underwriter

Justin loves skiing.  The bigger the challenge, the better the ride!
His mountain of client successes leaves competitors in his tracks.

Constantly thinking outside-the-box, Justin’s background in retail and his diverse experience across multiple industries, helps get his agents more wins.  Motivated and disciplined, Justin enjoys writing passenger transportation (limos, buses, NEMT), contractors, solar and home health, among many other classes.  Whereas some underwriters may look for reasons to decline an account, Justin is always searching for “the story” or for other ways to write that tough-to-place account.

Phone: 800-366-5810, ext. 3922
States: AK, AZ, CA, CO, HI, ID, MT, NM, NV, OK, OR, TX, UT, WA, WY


Ashlee Paieda  |  Brokerage Underwriter

Ashlee loves all things motorized and the thrill of going the extra mile!
From riding trails on her ATV to driving 1,000 miles each way from NJ to Disney in her RV.

Ashlee comes to All Risks from the agency side of the business and truly understands that responsiveness and communication are key to the success of the agent-wholesaler partnership.  Ashlee enjoys writing contractor accounts, as well as hard-to-place and unusual ones.  She finds it very interesting to delve in and “unravel the mysteries” of a Workers' Comp account, where other brokers may have declined.  Always honest, friendly and dependable, Ashlee looks beyond an account at face value to find a way to get the job done and works relentlessly to bind.

Phone: 800-366-5810, ext. 3215
States: NJ, PA 


Chris Wilfore  |  Brokerage Underwriter

Always a team player, Chris was President of the FSU men’s soccer team.
He gets a kick out of outplaying competitors and meeting his clients' goals daily.

Having begun his career with almost a decade on the retail side of the business, Chris truly understands the challenges facing retail agents.  He prides himself on being an extension of an agency and providing agents with access to exclusive WC programs, carriers and pricing.  Both determined and strategic, Chris targets a variety of classes including contractors, distributors, manufacturers and hospitality.  He finds tremendous gratification in being able to come through with Workers' Comp solutions for agents facing unrealistic pricing increases or no other option except the pool.

Phone: 800-366-5810, ext. 3607
States: IL, IN, MI


J.D. Babuder  |  Brokerage Underwriter

J.D. is an active runner and just ran a 6-part “Run for Your Life” race.
He always goes the extra mile and knows what it takes to cross the finish line.

J.D. Babuder is a Workers’ Compensation Brokerage Underwriter who reads each risk situation with a discerning eye to determine what risk characteristics are present and what solutions are possible.  Having begun his career on the retail side, J.D. has a genuine understanding of the challenges retail agents face regarding hard-to-place WC accounts.  As a local, regional and national WC placement specialist, J.D. enjoys writing contractors, tree trimming/landscaping, roofers, home health, moving and storage, sign companies and similar classes.

Phone: 800-366-5810, ext. 4321
States: AL, GA, MS, NC, SC


Julia Vogel  |  Brokerage Underwriter

Julia enjoys practicing yoga for the focus and balance it brings her.
The strength she builds allows her to reach higher and accomplish more for her clients.

Innovative, earnest and committed, Julia Vogel consistently solves problems for clients who struggle to find workplace injury benefits, for both employees and independent contractors, under one market.  Her main focus is writing Occupational Accident and she’s genuinely enthusiastic about educating others on this versatile coverage.  Julia enjoys writing a variety of classes including trucking, couriers, healthcare and staffing . She’s proud to provide a cost-effective solution for her clients and considers herself an extension of her agent’s team.

Phone: 800-366-5810, ext. 3959
States: Nationwide (Occupational Accident)


Stephanie Moose  |  Brokerage Underwriter

Stephanie loves baking and sharing her delicious sweets with others.
She knows the best results come with precision, patience and the right ingredients.

Friendly, yet competitive, Stephanie prides herself on her quick turnaround ability.  Whether it’s getting agents a fast response to a question or a same-day quote when possible, she never shies away from a “rush” account.  Always looking for the best options to suit her client's needs, Stephanie enjoys writing all classes of business including home healthcare, assisted living, trucking, contractors and cannabis.  With designations including CPCU, ASLI and AU, Stephanie really knows her stuff.

Phone: 800-366-5810, ext. 3947
States: AK, AZ, CA, CO, HI, ID, MT, NV, OR, UT, WA, WY 


Sharon Sprouse  |  Underwriter

From comedies to mysteries, Sharon loves watching movies in her free time.
She outperforms her competitors with her keen ability to see the big picture.

Part of Sharon Sprouse’s many years of success as an Underwriter can be attributed to her always staying ahead of the curve regarding changes taking place in the industry.  Her broad Workers' Compensation knowledge allows her to solve problems for her agents on a daily basis.  Friendly, helpful and dedicated, Sharon gets a great satisfaction out of placing Workers' Comp accounts that her clients haven’t been able to find a home for and also finding ways to secure pricing, which helps her clients be able to retain accounts.

Phone: 800-366-5810, ext. 4237
States: AL, DC, GA, LA, MS, NC, SC, TN, VA


Chris Smith  |  Assistant Vice President

Chris enjoys whitewater rafting with family and friends on the Delaware river.
He loves how it brings everyone together, working as a team to accomplish a goal.

Chris Smith, AVP Broker, has decades of experience working in both hard and soft markets and shares his wealth of Worker’s Compensation knowledge with agents on a daily basis.  Chris supports All Risks' proprietary Work Comp Specialty products that target underserved classes with driving/on-the-road exposure, like restaurants with delivery, non-emergency medical transportation (NEMT), waste management and home health.  Chris enjoys coming through for his clients by providing a home for these hard-to-place classes.

Phone: 800-366-5810, ext. 3467
States: NJ, PA


Rylee White  |  Brokerage Underwriter

Rylee loves spending time with her two sweet dogs, Rue and Bubba, and she takes them everywhere.
Rylee’s caring and compassionate nature allows her to better help her clients succeed.

Rylee prides herself on the strong relationships she’s built with her agents and her ability to consistently provide them with comprehensive Work Comp solutions for hard-to-place risks. Organized and a pleasure to work with, Rylee enjoys writing all WC classes, including artisan contractors, home health and restaurants.  She routinely solves problems for her clients like pulling tough accounts from out of the assigned risk market and placing new ventures.

Phone: 800-366-5810, ext. 4251
States: GA, TN

Contact us today! »Need more reasons to work with All Risks' WC team?
Top 5 Reasons Agents Choose All Risks for Hard-to-Place Workers' Compensation [VIDEO]

Legal Disclaimer: Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.