Markel is known for its people and quality of service. The Risk Solution Services (RSS) team embodies the ideal of the Markel Style and strives to “know our customers' needs and to provide our customers with quality products and service.” With representation across the U.S. our professionals are ready to help you achieve success. We look forward to hearing from you!

Allison ElzerAllison D. Elzer, Senior Director, Risk Solution Services
Allison is the Senior Director of Risk Solution Services for Markel Specialty. She joined the company in July 2019. Prior to Markel, Allison worked in various capacities in insurance, risk management, environmental consulting and market research. She has experience in a variety of areas including environmental, construction, professional, cyber, products liability, general liability, worker’s compensation, property, auto/fleet, oil & gas, medical, retail, real estate and more.  Allison enjoys volunteering for local charities and is the Director of Operations for her local Wings of Hope, Inc. charity events. She is a member of the American Society of Safety Professionals (ASSP), National Association of Women in Construction (NAWIC), Geological Society of America (GSA), the National Safety Council (NSC), and the National Fire Protection Association (NFPA). Allison can be contacted at +1.732.450.8733 or

Kim CoorodKim E. Coonrod, Director, Administration and Operations
Kim is the Director of Administration and Operations for Markel Specialty's Risk Solution Services. He joined the company in February 2007, and has been providing accident prevention services within the insurance industry since 1992. His risk solution service experience includes assisting a wide range of customers to gain an understanding of their operations, the status of accident prevention programs, reviewing safety and health program development, and providing guidance in the correction of hazards to mitigate claims. Prior to joining the insurance industry he worked in loss prevention for retail organizations and a large transportation company, supervising safety and security operations. Kim is a member of the American Society of Safety Professionals (ASSP), the National Safety Council (NSC), and the National Fire Protection Association (NFPA). He currently holds an Occupational Hygiene and Safety Technician (OHST) certification from the Board of Certified Safety Professionals (BCSP). Kim can be contacted at +1.402.661.1466 or

Ray Howard headshotRay Howard, Director, Technical Engineering and Risk Solutions Training
For the past 11 years Ray has been principally tasked with providing Loss Control support for Markel’s underwriting efforts including Products Liability, Construction, Environmental and high risk engineering such as dams, subsidence reviews for construction projects and complicated Products Liability accounts such as Chinese drywall, medical device and pharmaceutical accounts; while, assisting other underwriting units, claims and other departments. Ray has three undergraduate degrees from Golden Gate University, CA and Park College, MO, and an MBA from Lewis University, IL, has attended several additional universities; is a member of NFPA, ASQ, ASSE, SME, and, holds many professional and jurisdictional certifications and designations.  Prior to joining Markel in 2006, Ray held positions at HSB, State of Texas, Kemper, St. Paul, Reliance National, and Zurich Services Corporation.

Ray is a Member ASQ, a Regular Member American Society for Quality Control, a Voting Member National NFPA and, a Professional Member ASSE.  Mr. Howard is the author of numerous articles, procedures and other insurance industry specific materials including magazine articles, technical articles, booklets, bulletins, evaluation tools and techniques (i.e. product liability evaluators, exclusions, endorsements, etc.).  He has been published in “National Underwriter” magazine and “The Report” Magazine and, has been a guest speaker at various national industry conferences and meetings both in the United States and Canada.  He has been interviewed by professional organizations on occasion and asked to head various sessions with industry groups and manage Loss Control for high profile accounts in the U.S. such as United Space Alliance (Space Shuttle Program) and mining operations in upper Canada.  Speaking opportunities have included Vermont Insurance Captive Association, U.S. and Canadian Roofers Association Meeting, Prince Edward Island, Canada.  He has taught formal industry classes in both the United States and Canada and has traveled extensively internationally including throughout Europe and Asia.   Ray has attended numerous additional technical schools and other formal courses Post Graduate and Professional; and speaks German. Ray can be contacted at +1.732.450.8733 or

Jay HurinJay Hurin, Manager of Construction Services and Property
Jay is the Manager of Construction Services and Property for Markel RSS. Prior to joining Markel in 2021, Jay worked in the insurance and construction industries for over 25 years in various roles as a safety manager, project manager, senior risk control consultant, and technical director both domestically and in the European Union. He has extensive experience in building construction, civil and infrastructure construction, marine construction, and renewable energy. His knowledge of the many different lines of construction casualty, and inland marine insurance includes general liability, workers compensation, auto liability, builders risk, contractors equipment, wrap up (OCIP/CCIP), motor truck cargo, warehouse liability, property, and fine art. Jay earned his bachelors in public health and master of industrial safety degrees from the University of Minnesota Duluth, and completed post graduate work in corporate leadership from Franklin Pierce University. He earned his CSP designation in 2009 and is an active member of the NFPA, BCSP, ASSP, and NSC. Jay can be contacted at +1.617.960.9596 or

Libby ReedLibby Reed, Risk Solutions Specialist
Libby is a Risk Solutions Specialist in Omaha, Nebraska. She graduated from the University of Nebraska at Omaha in 2018 with a Bachelor of Science in Emergency Management. Libby is currently pursuing her Master of Science in Occupational Safety and Health through Columbia Southern University. Using her risk assessment and mitigation knowledge, she performs various risk solution services for the workers compensation, businessowners policy, and child care programs. She is also a certified HIPAA Privacy Officer, which lends experience to risk management and policy development. Libby can be contacted at +1.402.943.1191 or

Bill Coons headshotBill Coons, Sr. Risk Solutions Specialist
Bill is a graduate of the University of Georgia with a bachelor’s degree in Risk Management and Insurance. He has over 32 years of experience in the insurance industry. Bill manages nationwide risk solution services for programs out of the Kennesaw, Georgia location of Markel Specialty including child care, charter and independent schools, and pest control. He is responsible for writing technical articles and newsletters addressing specific loss trends for our niche markets. He also supports the underwriting process through training and loss reviews. Bill routinely assists clients and producers with risk solution efforts and conducts ongoing claims analysis to identify solutions to reducing identified loss exposures. He is a Certified Playground Safety Inspector and speaks regularly at various conventions supporting our programs and encouraging best practices for risk solution services. Bill also visits regularly with key accounts providing support to their efforts to improve loss control and risk management efforts. Bill can be contacted at +1.678.290.2136 or

Eric Engelhardt headshotEric Engelhardt, Risk Solutions Specialist – Field
Eric is currently an Risk Solutions Specialist – Field at Markel. He served for six years in the US Army as a Special Forces Engineer, Green Beret. After being honorably discharged from the military he pursued a degree at the University of North Carolina at Chapel Hill graduating with a degree in political science and history. He then worked at a veterans nonprofit as a Program Manager for four years followed by a one year role working at an international school in Thailand. Eric brings his unique experiences from around the globe and from multiple different business sectors to the RSS team here at Markel. Eric can be contacted at +1.732.450.8732 or

Michael Huss headshotMichael Huss, Risk Solutions Consultant
Michael Huss received his B.S. degree in Industrial Technology-Management from the California University of Pennsylvania, and started his career in insurance risk solution services in 1986 providing risk control, safety, and health consulting services for general contractors, subcontractors, fabrication facilities, and other construction and general industry workplaces for national and regional carriers. He has worked as an independent contractor and as the Risk Manager for a large California Indian casino. Mr. Huss has been employed by Markel Specialty since May 2007. His roles include a loss control field representative, a loss control supervisor of the western region, and most recently, a loss control consultant. He currently holds the following national certifications; Occupational Hygiene and Safety Technician (OHST), Construction Health and Safety Technician (CHST) and Certified Hazard Control Manager (CHCM), and is currently pursuing the Associate in Risk Management (ARM).  Michael has been an active member of the world’s largest and oldest professional safety organization, American Society of Safety Professionals (ASSP), since 1989. He thoroughly enjoys the diversity and challenges encountered in the field of risk solution services and providing guidance to underwriting, insurance agents, and policy holders as it relates to risk assessment, loss mitigation and account profitability. Mike can be reached at +1.702.294.7911 or

Michael HardingMike Harding, Sr. Risk Solutions Specialist
Mike is a Sr. Risk Solutions Specialist for Markel Specialty. He joined the company in 2010 with more than 30 years of experience in safety and risk management, risk consulting, and fleet and driver safety encompassing a broad range of companies including several multi-location corporate level management positions. Mike is responsible for assisting clients with risk management and loss control initiatives to help lessen the risks being faced by human service and child welfare organizations, not-for-profit organizations, museum and cultural institutions, agricultural, wineries, as well as other specialty niche industry groups. Mike is also responsible for providing educational services for clients and supporting their related industry trade associations through activities such as conducting risk management and crisis management workshops, developing safety guidelines, developing industry articles, visiting client sites, participating in industry conferences, and creating risk control plans. Mike is a Professional Member of the American Society of Safety Professionals and a graduate of West Virginia University with an Undergraduate degree in Education and a Masters’ degree in Safety and Risk Management. He is certified by the World Safety Organization as a Certified Safety Executive. Mike can be contacted at +1.804.527.7627 or

Mike Perciccante headshotMike Perciaccante, Sr. Risk Solutions Specialist
Mr. Perciaccante has worked in the insurance field in both underwriting and loss control for over 24 years during which time he has provided technical services on a national level within all 48 contiguous states, Alaska, and Hawaii. Additionally, he has provided technical services supporting Markel's international operations in London and Toronto. Mr. Perciaccante started at Markel in April 1996 working in the Brokerage Casualty Division prior to transferring to Loss Control in 2006. He’s presently assisting in General Liability, Products Liability, Construction and Environmental, and additional supporting units.

Mike has provided training seminars and sessions both on-site and remote for underwriters, underwriting profit centers, brokers, accounts and others as develop assessment tools such as inspection programs and survey formats on very short notice for underwriters, other Risk Solutions associates and underwriting profit centers.

Mike has conducted Corporate onsite visits, meetings and on-site surveys for all levels within business classes and multi-line coverages. Mike assists management in Risk solution vendor activities including assignment of work to third party Loss Control Vendors for Markel. Mike has attended numerous additional formal courses and conferences and assists on a regular basis with internal Markel training endeavors throughout the United States. Mike can be contacted at +1.732.450.8731 or

Courtney Rosengartner headshotCourtney Rosengartner, Sr. Risk Solutions Specialist
Courtney has worked in the insurance field in Underwriting and Risk Solution Services (RSS) for over 18 years. Within the RSS team, her primary focus is on accident prevention services for workers compensation accounts and risk control for business owners’ policies. Courtney is responsible for reviewing potential exposures and making recommendations for risk improvement to support underwriting in their selection of profitable business. As a Sr. Risk Solution Specialist, she analyzes loss frequency and severity of risks and provides guidance on corrective action. Courtney is also the point of contact for content developed within the RSS team. She creates and coordinates risk management related resources, working closely with the Marketing, Graphics, and Digital teams. She provides and reviews the addition of content to the Markel websites within the loss control space. Courtney has earned various certifications and designation in the insurance, safety, and risk management area. Courtney can be contacted at +1.402.661.1432 or

Michael Swain headshotMichael A. Swain, Sr. Risk Solutions Specialist
Michael A. Swain began his career with Markel in 2001. As a Sr. Risk Solution Specialist, Swain’s expertise involves creating and implementing loss prevention strategies in support of various specialty industry groups including cyber, youth camp and recreation programs, child care, social service, youth clubs, health and fitness clubs, martial arts, dance, and gymnastics programs. With 35 years of industry experience, he has an extensive background in risk management, capable of effectively analyzing claims trends and industry related data to develop and implement action plans to facilitate desired outcomes. Swain earned his B.S. in Business Management from Virginia Polytechnic Institute and State University (VA Tech) and holds certifications as an Associate in Risk Management, a Senior Claim Law Associate, a Certified Playground Safety Inspector, and Commercial Lines Coverage Specialist. He has achieved numerous other certifications including American Red Cross Lifeguard Management, Emergency Medical Technician, and Cyber Risk Management. Swain has experience in collaboratively working with multiple insurance disciplines to achieve positive business outcomes through loss control and risk management initiatives. His customer relationship skills allow for interaction with and the ability to develop strong business partnerships with clientele at all levels of an organization. Michael can be contacted at +1.804.527.7544 or

Mike SzczygielMichael “Mike” Szczygiel, Sr. Risk Solutions Specialist & Healthcare Services Manager
Michael “Mike” Szczygiel was certified as a paramedic in 1975. After years in medical transportation as a clinician, educator, administrator and litigation consultant, Mike spent a decade as Director of Risk Management for a trio of healthcare facilities which included 550 bed tertiary care hospital, a 50 bed community hospital and a psychiatric hospital. Since 2006, he has been a Senior Loss Control Specialist for Markel Specialty Commercial. He is the Chairman of the NAEMT Safety Committee and was Lead Editor and contributing author for the second edition of the NAEMT Safety Course Student Manual. He is a member of the NAEMT Workforce Committee and Mental Health sub-committee. His BA is in psychology with a minor in human biology from Ottawa University of Kansas City. He did graduate work in the molecular biology of cancer. He is a member the American Association for the Advancement of Science (AAAS) Neuroscience Division, the National Association of EMS Physicians and the Johnson County Community College Emergency Medical Sciences Advisory Board. Mike can be contacted at +1.678.290.3833 or

Melanie WeaverMelanie Weaver, Risk Solution Assistant
Melanie has worked in insurance related industries since 2014. She began with SureTec Insurance Company in 2014, working with agents, and then transitioned into a claims position. SureTec was acquired by Markel in the spring of 2017. Melanie joined Markel’s Risk Solutions Services team at the beginning of 2021. In her spare time, Melanie enjoys spending time with her family, hiking in the Colorado Rockies, riding horses, and taking her dog to the dog park. Melanie can be contacted at +1.303.542.3436 or

Aliyah Grant, Underwriting Trainee
Aliyah received her B.S. degree in Finance with a concentration in Risk Management and Insurance from Virginia Commonwealth University (VCU) in May 2021. Shortly afterwards, she started her role with Markel as a participant in the underwriting training program and a risk solution services trainee. During her time at VCU, she served as the Vice President of finance for her student organization and received a certificate in leadership studies from the VCU lead program. Within the RSS team, Aliyah assists her colleagues with survey requests, legal reviews, inbox notifications, and special projects. Aliyah can be contacted at +1.804.371.1354 or