Pam Allen’s career has been a string of “firsts”. Valedictorian of her high school class, she was the first in her family to attend college, graduating from the University of Michigan with honors. Upon graduation, she was the first woman casualty underwriting trainee in Royal Globe’s Detroit regional office. She started the first Michigan casualty operation for Commerce & Industry (AIG), earning a promotion to branch manager.
In 1985 she worked to start up the underwriting operation that became North Pointe Insurance Company, ultimately sold to QBE. In 1990 she joined Meadowbrook Insurance Group to start their professional liability underwriting unit, progressing to management of all underwriting operations, including public entity, medical professional, lawyers professional, accountants professional, and workers compensation programs. She joined Michigan Lawyers Mutual in 1996 to manage underwriting and operations, designing and implementing a plan to increase the company’s surplus by 100% in five years.
She formed Alta Pro in 2004 to provide professional liability underwriting, risk management and insurance services for lawyers and other professionals. With over 40 years of underwriting and management experience in the insurance industry, she has assembled a motivated team of insurance professionals, each with decades of insurance experience and specialization in professional liability. Throughout her career, Pam has specialized in the development and implementation of successful insurance programs. Her expertise in underwriting, reinsurance, alternative risk, and specialty program management expands the level of products and services that Alta Pro offers their insurance company and agency partners.
Adam was born, raised and still lives in Anderson, Indiana with his wife of 32 years. He spent 7 years as a captive multi-line agent and 17 years as an independent agent specializing in professional liability insurance. Adam loves to educate on insurance, risk management and ethics and has been public speaking for numerous trade associations and schools for over 15 years. He is an avid outdoorsman and is a would-be amateur carpenter. Adam and his wife enjoy spending their free time kayaking, fishing, hiking and camping.
Debbie Ramos, J.D., C.P.C.U., is Alta Pro’s Vice President of Underwriting, with over 23 years of lawyers professional liability insurance underwriting, program management, and agency experience. A longtime member of the Texas State Bar, Debbie is based in Dallas, Texas, and has developed and underwritten successful LPL programs nationwide.
Her career includes experience as an insurance agent as well as a wholesale broker, so Debbie understands all sides of the insurance industry and knows firsthand the challenges that agents and brokers face. She appreciates that agents have the hardest job in the insurance business. As a lawyer, she understands the risks that lawyers face and as an underwriter, she knows how to evaluate those risks. Under Debbie’s leadership, the Alta Pro underwriting team continues our commitment to intelligent underwriting, building valuable expertise and providing excellent customer service to our agency and company partners.
Lynn joined Alta Pro in 2014, and her focus has been on expanding Alta Pro’s programs beyond our historical emphasis on professional liability. In her business development role, she has been focused on development and implementation of our industry leading cyber liability insurance programs.
Lynn brings over 25 years of insurance industry experience, starting her career as an inside sales professional, and progressing through sales and management positions to national sales manager for a large P&C insurer, as well as experience as a wholesale broker. Lynn understands first hand that insurance agents have the hardest job in the insurance industry, and she works to provide Alta Pro’s agency partners with innovative products and superior service.
Todd joined Alta Pro in 2019, adding to our executive bench strength. He brings decades of executive experience developing and managing sales teams at national and international levels. Coming from the tech industry, his perspective and knowledge have helped not only Alta Pro, but also our agency partners to improve their online marketing and business development. He has developed and implemented a training program for our underwriting team to improve our already good agency relationships.
Under his management, Alta Pro Risk Purchasing Group offers state of the art online webinars approved for CLE credit. He has curated and negotiated discounts with key vendors to the benefit of our RPG members. His contributions toward the development of Alta Pro’s proprietary SAKU underwriting platform have resulted in improved customer experience and added value. He brings to our Alta Pro team a unique perspective, expertise, and insight regarding the critical role cutting edge technology will play in the future of the insurance industry.
Dan has been responsible for Alta Pro’s commitment to state of the art technology since before he joined Alta Pro. On his advice, Alta Pro was one of the earliest adopters of MS Small Business Server when we opened shop in 2004. Dan has guided Alta Pro in making intelligent, cost effective investments in technology to improve productivity and support our carrier partners’ data requirements.
Through his efforts, Alta Pro captures and provides the data that forms the basis of our actuarial analysis and the foundation of our analytics capability. His understanding of the insurance operations and data requirements of superior program administration have led him to design and develop SAKU, a cloud based underwriting platform Alta Pro will deploy in the third quarter of 2020. We are excited about the improved productivity, unlimited data capture, analytics and predictive modeling capabilities that SAKU will bring to Alta Pro and our company partners.