Our Team

An insurance industry veteran with more than 35 years of experience, Bob Ritchie has built and transformed businesses ranging from startups to large national insurance companies. His vast background includes specialty niche insurers, such as American Modern; national carriers, including AIG and CNA; and conglomerates, including GE Insurance Solutions. He brings this experience to benefit American Integrity and its policyholders.

Bob is a leader who understands the needs of both the agent and the policyholder. His specialties are broad with a strong analytical base along with profound success in sales and marketing. As the founder of American Integrity, he is committed to the success and growth of the company along with the stability of the insurance marketplace.

Bob has been a driving force in securing meaningful property insurance reform in Florida. His advocacy helped bring about critical legal changes that address a crisis directly impacting insurance availability and rates for all Floridians.

Bob and his wife founded the Ritchie Hockey Foundation after the passing of their son, a lifelong hockey player. The organization leads skill clinics and awards scholarships to deserving student athletes who need financial assistance to participate in, and learn valuable life lessons through, sports. Since its inception in 2009, the Foundation has awarded over 80 scholarships and provided countless local children with free annual baseball and hockey clinics.

Bob is a graduate of the University of Evansville. He graduated with a BS in Finance with a minor in music. He also serves on the board of Enterprise Florida, Inc. (EFI), the principal economic development organization for Florida.

Jon Ritchie serves as President of American Integrity Insurance Company, where his leadership, dedication, and strategic vision have been key to the company’s growth and success. Since joining American Integrity in 2009, Jon has navigated the complexities of Florida’s property insurance market with integrity and innovation – rising from his start as a Product Analyst to Chief Operating Officer in 2019.

As COO, Jon oversaw day-to-day operations across critical areas including risk, claims, underwriting, client services, actuarial services, and IT, while managing full profit and loss responsibilities. Under his guidance, American Integrity became one of the few Florida residential property insurers to achieve profitability in challenging market conditions. Today, as President, Jon continues to lead with the same commitment to excellence that has defined his career.

Jon brings a wealth of expertise, entrepreneurial success, and a strong academic foundation to his role. He earned his Master of Business Administration in Finance from the University of Indiana, where he was a fellowship participant with Toyota Corporation and a faculty-selected member of the Entrepreneurship Management Academy. Prior to that, he received his Bachelor of Science in Finance from DePaul University.

As the Executive Vice President of Sales and Marketing, Dick Dowd sets strategies to accelerate profits, revenues, and market share, while deepening American Integrity’s partnerships with preferred independent agency partners to expand the company’s footprint and brand awareness throughout Florida.

Dick has significant experience in new product development and management of distribution networks, and has a proven track record of producing top- and bottom-line results that far outpace the insurance industry standards. Prior to joining American Integrity, Dick served in several key executive roles, including Senior Vice President of Property for Aegis Security Insurance Company, Executive Vice President of Sales for American Modern Insurance Company, and Senior Vice President of Personal Lines for Harleysville Insurance Company.

Dick possesses a unique blend of expertise in sales and product, personal and commercial lines, and standard and specialty lines. He earned his Bachelor of Arts in Political Science from Hobart College and holds his CIC designation.

As EVP & Chief Human Resources Officer, Angie Quinn leads the company’s people strategy, overseeing talent acquisition, employee engagement, organizational development, and culture.

Angie brings nearly 20 years of operational and leadership experience in a variety of corporate roles related to human resources, quality, training, planning, and performance management. Angie previously held roles of increasing responsibility with SITEL Corporation, including director of human resources. Prior to joining American Integrity, she served on the Citizens Property Insurance Corporation human resources team for five years.

Angie has a B.S. in Business Administration with an emphasis in Management from Peru State College in Nebraska. She is an active member of several professional organizations, including Society of Human Resource Management (SHRM), and is a graduate of an executive leadership program sponsored by the University of North Florida.

As American Integrity’s Chief Accounting Officer, Steve Biggs. leads the company’s accounting and finance functions overseeing accounting operations, reinsurance accounting, and financial reporting.

Steve has over 20 years of experience in the P&C industry with various leadership roles in finance & accounting.  He most recently served as a Division Chief Financial Officer at Horace Mann Educators Corporation overseeing financial planning & analysis for the P&C, Life, and Retirement divisions. His prior experience includes leading strategy and business development at Embark MGA which focuses on auto and property insurance products.  He was also a senior financial manager at Allstate Insurance Company where he partnered with distribution, product, and claims along with responsibility over the financial planning & forecasting team.

Steve earned his Bachelor of Science degree in Accountancy from Northern Illinois University and has passed the CPA exam. He also has his MBA from Northwestern’s Kellogg Graduate School of Management.

As EVP of Product, Pricing, and Underwriting, Brent Radeloff is responsible for developing competitive products that effectively balance risk and profitability. He brings deep industry experience and a proven track record of strategic leadership across top-tier insurance organizations.

Before joining American Integrity, Brent led the Western Region Product Management team in Personal Lines at The Hartford. There, he managed the region’s P&L, spearheaded a lean management pilot, and oversaw the successful transition of pricing responsibilities to a centralized model. Notably, he implemented rate and underwriting strategies that improved New York agency auto results by 20 points in just two years.

Prior to The Hartford, Brent spent five years at Travelers, where he served as Product Manager for three regions. In this role, he managed the P&L and led key strategic initiatives, including the development and integration of a pricing tool known as “disruption” into the company’s core IT systems.

Earlier in his career, Brent held several leadership positions over eight years at GMAC Insurance, where he directed the development and launch of a new auto product for the direct-to-consumer affinity segment—achieving both growth and profitability goals. He also held actuarial roles at American Bankers Insurance Group (Assurant) and C.N.A. Insurance.

Brent holds a Bachelor of Arts in Economics from Northwestern University and an Executive MBA from Northwestern’s Kellogg School of Management. Outside of work, he enjoys playing golf, traveling, and renovating properties with his wife.

As the SVP of IT, Jerry Higgins leads both our Software Development and IT Operations teams, where his experience across multiple IT disciplines enables business transformation that results in competitive advantage and growth.

Jerry brings over 30 years of experience in the insurance and financial services spaces to American Integrity, with a majority of his tenure being with Allstate Insurance Company. Jerry has served in multiple capacities across a wide spectrum of IT disciplines including Infrastructure and Operations, Architecture, Project Management, and Application Development. He also served as the Chief Information Officer for Allstate’s internal brokerage – Ivantage Select Agency.

He enjoys creating purpose-driven teams using the Agile mindset, and his philosophy in work is the power of self-directed teams. His focus is to work toward building teams of Technologists and Business Professionals “sitting on the same side of the table solving problems together.”

Jerry received his BS degree in Computer Science and Mathematics from Northern Illinois University and attended the University of Chicago Executive MBA program, where he also completed the Capstone Business Simulation, the world's gold standard in business simulations.

As the SVP of Risk Management, Ryan Hodges is responsible for leading the charge on catastrophe risk management, portfolio risk management and reinsurance strategies for American Integrity. With more than 11 years of insurance and reinsurance experience with expertise in risk management, Ryan is an expert when it comes to catastrophe modeling, analytics, data management, and product development.

Prior to joining American Integrity, Ryan worked for Tokio Marine Technologies, a subsidiary of Tokio Marine Holdings, for over 11 years. In his role at Tokio Marine, he was responsible for managing various risk quantification, process improvement, and product development initiatives. He also has extensive reinsurance pricing experience obtained through working with one of Tokio Marine’s Reinsurance subsidiaries, both in the Bermuda and London markets.

Ryan earned a Bachelor of Science degree in Mathematics from the University of West Georgia and holds his ARe™ (Associate in Reinsurance) designation.

In her role as SVP of Marketing, Toni Logan is responsible for leading the company’s marketing strategies, including branding, advertising, lead generation, sales team support, competitive analysis, content creation, public relations, marketing communications and stakeholder relations.

Toni has more than 15 years of marketing and communications experience, most of which she acquired while working for property and casualty insurance companies. She has worked in corporate communications for USAA and Allstate Insurance companies, and most recently as corporate

communications manager at Security First Insurance Company.

She and her team are charged with helping to analyze and constantly improve the user experience – ensuring each touch point is personalized, consistent and professional – and developing and maintaining the company’s digital properties.

Toni, who grew up in Tampa, is a graduate of the University of South Florida and the University of Florida, where she earned her bachelor’s and master's degrees in mass communication, respectively.

As SVP of Underwriting & Client Services, Patrick Madigan is responsible for maintaining competitive products, developing underwriting strategy, enhancing operational efficiency, and delivering an exceptional client experience.

Patrick has 20 years of experience in underwriting, product, pricing, strategy development, and process efficiency in the insurance industry. He began his career at CNA Insurance and progressed through positions of increasing responsibility at Nationwide and Kemper Insurance companies before applying his leadership skills in the vendor space, working for a business process outsource organization that provides IT services to the industry. Before joining American Integrity, Patrick established underwriting guidelines for a newly formed regional company writing business in the Southeastern United States.

Patrick has an established track record of identifying and removing roadblocks to improve individual, team and process performance. Patrick is highly regarded in the insurance industry and is frequently invited to speak at industry events about operational efficiency in underwriting, implementing new systems, and managing significant change in an organization.

Patrick earned a B.S. degree in Kinesiology from West Chester University of Pennsylvania and an MBA from Penn State University. He also holds a Six Sigma Green Belt certification.

As SVP of Litigation, Michael Sperounes leads and establishes strategic direction for our litigation department, while identifying trends and emerging issues facing the complex and dynamic property insurance market in the Southeast.

Michael is a graduate of the University of South Florida and Stetson College of Law and joined American Integrity in 2018. He brings significant trial experience focused on first- and third-party insurance defense. He has advised and represented Florida’s property insurers in first-party property disputes arising from sinkhole, windstorm, fire, mold and water losses as well as represented insurers in coverage litigation.

Michael’s 30 years of legal experience includes the position of Tampa Managing Partner for one of the oldest Florida regional insurance defense firms.

As Senior Vice President of Pricing and Product, Wei Xe oversees both the Product and Pricing & Actuarial Services teams, leading the charge as American Integrity expands into new states and broadens its offerings to include commercial residential products.

Wei brings an extensive background in actuarial service and management to the team. Prior to joining American Integrity, Wei started his career as a consulting actuary for major property and casualty insurance carriers and then moved into insurance corporation world, with tenures at Zurich Insurance Company and Berkley Oil and Gas (a W. R. Berkley company). During the course of his career, he has managed teams in reserving, pricing and predictive analytics while also leading the development of actuarial infrastructural changes within those organizations.

Wei is a Fellow of the Casualty Actuarial Society (FCAS) and holds a Master of Science in Actuarial Science from the University of Wisconsin.

As VP of Legislative Affairs, William Arnold sets the direction of American Integrity advocacy efforts in the industry, focusing on top issues including Florida’s overly litigious environment and roof claim abuse. With a primary focus on substantially reducing our exposure to litigation and restoring financial health to our industry, William reports to our CEO and President as an integral member of our American Integrity leadership team.

William joined us following his tenure at Florida’s Senate Banking and Insurance Committee, where he oversaw a large policy portfolio that included property and casualty insurance, ratemaking, reinsurance, the Florida Hurricane Catastrophe Fund, Citizens Property Insurance Corporation, and other insurance issues. His previous state government experience includes service at the Florida Office of Insurance Regulation, within the Executive Office of the Governor, and as campaign manager and aide to a future Speaker of the Florida House. With his deep and extensive knowledge of the issues facing our industry, William is well-suited to perpetuate American Integrity’s role as the thought leader of Florida’s property insurance market.

William earned his bachelor’s degree in political science from Emory University and holds PIR and APIR designations from the NAIC and 2-20 and 6-20 licenses. A proud husband and father, he enjoys spending time with his family.

As our Vice President of Claims, Trevor McDonald oversees the Inside Claims, Field Claims, and Claims Support teams, while coordinating the strategy behind American Integrity’s catastrophe claims response.

Trevor has decades of experience in homeowners' insurance claims, and has served with national, regional and Florida domestic carriers in positions of increasing responsibility. Trevor also has earned a variety of Property & Casualty insurance credentials, including the prestigious CPCU designation, as well as his AIC and ChFC (Chartered Financial Consultant) designations.

He holds a Master of Science in Risk Management from Florida State University and a Bachelor of Arts from Oral Roberts University in Tulsa, Oklahoma.

As VP of Sales, Matt VanVelsen plays a critical role in our sales strategy, helping with the creation and execution of our strategic initiatives. He leads our teams of Sales Directors and Territory Sales Managers as we continue to solidify our strong relationships across our distribution channels.

Matt was most recently a Zone Sales Director with Foremost Insurance in Atlanta, GA. There, he led a team of eight Territory Sales Managers with responsibility for South Carolina, Georgia, and North Carolina. During his tenure at Foremost, his team was recognized multiple times for outstanding performance and successfully drove growth across a broad portfolio of products, surpassing key targets over a multi-year period. Matt was named Foremost’s National Salesperson of the Year in 2014 while serving as a Territory Sales Manager, and later mentored two team members who went on to earn the same recognition in the following years.

Outside of work, Matt is an avid golfer. In fact, he earned a marketing degree with an emphasis in Professional Golf Management from Ferris State University. After graduation, he became a Class A PGA Professional for eight years, which included being an Assistant Golf Professional, Teaching Professional, and Director of Golf. Matt and his wife have two children.

As VP of Innovations & Data, John Walsh leads business intelligence, special projects and strategic partnerships across the organization. He brings over 20 years of P&C insurance operational, analytical and leadership experience in a variety of roles managing data analytics, customer experience, sales, agency support and quality & process management.

Prior to joining American Integrity, John held the role of Director of Insurance Operations for Auto Club South Insurance Company and Auto Club Insurance Company of Florida at AAA. There, he led initiatives resulting in significant improvements to the company’s Net Promotor Score®, agency satisfaction and policy retention. John also held a lead role in successfully introducing the AAA Car Care Plus business line into the Florida market by leading the efforts in business analytics, quality and process development.

Prior to joining AAA, John worked at Progressive Insurance for over 15 years and held positions of increasing responsibility including a diverse range of insurance leadership and analytical roles where he consulted in large business initiatives to develop operational, sales and growth strategies.

John studied Business Management and Psychology at the University of South Florida and is a United States Marine Corps veteran of Operation Iraqi Freedom.