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Merchants Insurance Group

North Country Insurance Company

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Merchants Insurance Group

North Country Insurance Company

As We Evolve: Practical Uses for Current Technology Speakers

Truman Esmond is vice president, membership and solutions for American Association of Insurance Services (AAIS) and technical steering committee chair of openIDL. Esmond has an extensive background in innovative networked technology solutions, across a variety of industries and enterprises—large and small.

AAIS is uniquely positioned as a trusted intermediary and data conduit between insurance carriers and regulators. In this position, AAIS impacts the entire industry and the industries that depend on effective risk partners with advisory products combined with innovative technology and operational solutions. Esmond leads AAIS membership and solutions, engaging members and our community to grow and leverage the expertise, technology and resources of a modern advisory organization serving member insurers.

openIDL, the regulatory reporting data network that leverages blockchain technology, provides members and regulators data privacy, integrity and transparency and is an output of that mission. Esmond continues to serve as the lead architect for openIDL and following openIDL’s incorporation into the Linux Foundation, was elected by membership to chair the technology steering committee for the project.


Robin Luo is senior vice president, business development and delivery for Harford Steam Boiler Inspection and Insurance Company (HSB) is a senior insurance innovation leader with a proven track record in developing and commercializing transformative technology and insurance solutions such as award-winning commercial insurance IoT, Blackout Risk Model and Utility Service Interruption products.

Luo has a unique combination of expertise in technology, data analytics, insurance, product development, and commercialization. He currently leads HSB’s SME solution commercialization activities that include commercial strategy, customer engagement, product and service delivery, and data and product strategy. He started his career at HSB 19 years ago. He has held various positions with increasing responsibilities in the areas of data analytics, underwriting, ceded reinsurance, enterprise risk management, and innovation.

Prior to joining HSB, Luo served as the chief electrical engineer on-board of ocean cargo vessels and worked as a commercial engineering manager for WIKA GmbH, a Germany based sensor automation and instrumentation engineering company.

Robin has a Bachelor of Science degree in electrical engineering and a Master of Science degree in statistics and finance. He holds CPCU and ARe designations. He also held insurance producer license and surplus line broker license in Connecticut.


Dirk Smith, vice president and engineering manager of Mutual Boiler Re, is responsible for building the company’s equipment breakdown expertise and providing jurisdictional inspection services. With more than 25 years’ experience in engineering, Smith brings a vast knowledge of property insurance to his position at Mutual Boiler Re, a benefit to both customers and the company alike. His experience includes serving as a national board commissioned inspector of boiler and pressure vessels, a property loss prevention engineer and an operations chief inspector.

Smith has been a member of the FM Global community for over 20 years, beginning his career with the company as a loss prevention engineer. He earned a Bachelor of Science degree in marine engineering at the United States Merchant Marine Academy in Kings Point, New York.


Tracey Waller is director for ISO small commercial underwriting at Verisk. She is responsible for the strategy and execution of ISO’s small commercial and casualty underwriting products, focused on powering digital transformation in the industry.  Previously at ISO, Tracey handled coverage product development for the general liability, excess/umbrella, home healthcare, and medical professional liability lines of business. Tracey holds a Master of Business Administration degree from Saint Peter’s University and a Bachelor of Fine Arts degree from Rutgers University. She has earned the designation of Chartered Property Casualty Underwriter (CPCU). She joined ISO in 2008.


Jennifer Cavolo is New York product manager for Progressive. Cavolo joined Progressive in 2012 after graduating with an MBA from the University of Chicago. She has served in various positions at Progressive since starting as a product manager in commercial lines, were she worked on a number of complex states, and on projects related to transportation networking companies. She was promoted to manage Progressive’s Pennsylvania personal lines business from 2016 through 2017. In 2018, she was promoted to New York product manager.

Prior to business school, Cavolo worked as an analyst on the sell-side with UBS and on the buy-side with T. Rowe Price. She received her bachelors in Finance and Political Science from Notre Dame, and holds the Chartered Financial Analyst designation. 

Cavolo became a board member of the New York Insurance Association in 2019. She is a member of their Education and Conference Planning Committee, Finance Committee, Nominating Committee and Public Relations Committee. 


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