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WHY JOIN
Glen Welch has focused most of his insurance career on providing tools for family business owners who have the determination to build successful independent businesses. Today, he and the Charter Partners team, continue their commitment to advancing the American Family Business through Shared Knowledge. Glen is a co-founder with his brother Todd Welch and father Scott Welch of Charter Partners USA, Inc. Founded in 1996, Charter Partners has grown into an innovative business community of 320 business owners in 11 states who work together in industry groups to solve shared problems. Charter Partners was originally founded to seek property & casualty insurance alternatives to the rising costs and plummeting trust that were common for business owners. By 2003, Charter Partners had reached the $40 million mark in property/casualty insurance premiums -- and had expanded its business into other areas of support for entrepreneurs. The Charter Partners community now works together to address a range of other pressing business issues important to business owners: health insurance; recruiting and retention of good employees; perpetuating the family business; developing standard business practices; and training. With more than 20 years of insurance experience, Glen Welch brings a wealth of knowledge to Charter Partners. He has served as the Vice President of Client Service and as Director of Marketing for Bowers, Schumann & Welch (BS&W), a large independent insurance agency based in Washington, New Jersey previously owned by the Welch Family. He has several years experience in claims and marketing. In 1984, he was instrumental in opening a new office for BS&W in Bethlehem, Pennsylvania. It was here that he gained valuable insight and experience into what it takes to build a successful insurance operation. The Welch’s’ sold Bowers, Schumann & Welch to Brown & Brown Insurance in June 2000 to exclusively focus on Charter Partners and it’s evolving initiative into a Community-based membership company. A graduate of The College of Insurance in New York City, Mr. Welch stays active in the community and has been a guest speaker at several industry seminars and conferences. Mr. Welch and his wife have four children and reside in northwestern New Jersey.
Todd Welch has devoted his professional career to exploring entrepreneurship and supporting people who have the American dream of entrepreneurship. Todd is a co-founder with his brother Glen Welch and father Scott Welch of Charter Partners USA, Inc. Founded in 1996, Charter Partners has grown into an innovative business community of 320 business owners in 11 states who work together in industry groups to solve shared problems. Charter Partners was originally founded to seek alternatives to the rising costs and plummeting trust that were common for business owners trying to buy property/casualty insurance. By 2003, Charter Partners had reached the $40 million mark in property/casualty insurance premiums -- and had expanded its business into other areas of support for entrepreneurs. The Charter Partners community now works together to address a range of pressing business issues important to business owners: health insurance; recruiting and retention of good employees; perpetuating the family business; developing standard business practices; and training. Todd notes that his proudest professional accomplishment is “helping our Members, who represent the best of American family business owners, to create an environment of mutual trust and respect where they can work together and share knowledge.” Todd devotes time to developing entrepreneurship education programs for high school students in northwestern New Jersey and the Lehigh Valley of Pennsylvania. In 2003, Todd founded two organizations: the Welch Foundation for Entrepreneurial Learning and Charter Entrepreneurs, both of which aim to develop entrepreneurship education and opportunities for high-school students with the long-term goal of supporting the American family business. In 1993, Todd co-founded the “Wings” program to provide the students of Warren Hills Regional High School the opportunity to learn the fundamentals of business. Under his direction, a TV station, radio station, bistro, school store, and student newspaper have started as real businesses, with more than 2000 students participating over 10-years. Currently, this program is expanding to five area schools in the Lehigh Valley. Mr. Welch also is a licensed helicopter pilot and a videographer. He enjoys boating and hiking. He and his wife reside in Pennsylvania with their two sons.
With Charter Partners since 1996, Mr. Biamonte’s major responsibilities have included developing corporate policy, corporate business and marketing strategies. He is also responsible for general legal issues and the establishment and related administration of the Rent-a-Captives for each of the Membership Groups that participate in the Charter Partners Alliance. Mr. Biamonte was a principal in and President of Wallaby Software Corporation from 1983 to 1996. The Wallaby Software Corporation developed and sold medical software packages to health clinics and small hospitals, nationally, utilizing a network of authorized agent companies. In addition, from 1977 to 1983 he was President of STC Systems, a manufacturer of business computer systems. A graduate from Fairleigh Dickinson University, Mr. Biamonte earned his Bachelor of Science degree in Electrical Engineering. He resides in northern New Jersey with his wife.  GISELLE CHAPMANChief Community Operations Officer of Charter Partners USA Giselle comes to Charter Partners after a successful 14-year sales career with Bristol-Myers Squibb. She has won the Best Performer Award in the last 3 out of the 4 years (top 15% of the nation). In 2000, she received the President’s Award and was inducted into the Grand Masters in 2002. Her focus on community, shared knowledge and passion for running effective meetings are a few of the things that attracted her to Charter Partners. Giselle has had diverse experiences that compliment the Charter Partners Community. Giselle earned her Bachelor of Arts degree from Seton Hall University in 1989. She grew up and lived in West Milford, NJ for 24 years. She now resides in Southern California, and loves to barbecue, golf and spend time with friends.
Before joining Charter Partners in May 2000, Ms. Cowley served as CFO of Bowers, Schumann & Welch (BS&W), a large independent agency based in Washington, New Jersey, from 1996 to 2000, prior to the BS&W acquisition by Brown and Brown. In addition, from 1994 to 1996, she was the Controller at BS&W. Ms. Cowley served with BS&W for 12 years. Prior to joining BS&W, Ms. Cowley held accounting positions in the manufacturing industry. At Charter Partners, Ms. Cowley is responsible for financial management, information technology, and human resources. Ms. Cowley earned her Associates Degree in Accounting & Business Management from Warren County Community College and is a Certified Microsoft Professional. She lives in northwestern New Jersey with her husband and two children.  STEVEN H. LAWRENCE, CPCU, ARMChief Risk Officer of Charter Partners USA Joining Charter Partner in 2004, Mr. Lawrence has over 25 years of risk management experience, including positions with top Fortune companies such as PepsiCo, Inc., Mars Inc., IBM Corporation and Hoffmann La-Roche Inc. Prior to joining Charter Partners, Mr. Lawrence was the National Practice Leader of the Insurance Risk Management Practice at Ernst & Young LLP.
Mr. Lawrence is currently a member of the President’s Advisory Council to the School of Risk Management of St. Johns University and he is a member of the Insurance and Risk Management Council for the American Management Association.
Mr. Lawrence has an MBA in Finance from Fairleigh Dickinson University and a BBA from The College of Insurance. He is a Chartered Property and Casualty Underwriter (CPCU) and has earned the Associate in Risk Management (ARM). He resides in Northern New Jersey with his wife.
Ms. Stark was Chief Service Officer of BS&W, where she had been employed since 1981 until its sale to Brown and Brown in June of 2000. Her responsibilities included management of a $6 million public entity book of business, human resource management of the client service associates, quality control and procedures implementation and oversight and reducing redundancies throughout the agency. Since joining Charter Partners in 2000, she is responsible for the quoting and policy issuance for Charter Partner Insurance Company for all of our membership groups, customer service for several of our membership groups and overall compliance and licensing for the Company and our employees. She maintains a resident P&C license in Ms. Stark earned an Associate Degree in Business Administration from Churchman’s Business College in Easton, Pennsylvania. She lives in Pennsylvania with her husband and Cairn Terrier Sasha. Before joining Charter Partners in June 2000, Mrs. Anderson served as Senior Marketing Administrator for 7 years at Bowers, Schumann & Welch (BS&W). Prior to BS&W, she was a purchasing agent for a small tubing manufacturer. At Charter Partners, Mrs. Anderson is responsible for client service for the Asphalt Surface Development Association and Fire Suppression Alliance. Mrs. Anderson is a licensed insurance agent. She lives in eastern Pennsylvania with her husband and has three children. Before joining Charter Partners in December 1998, Jean worked as a Legal Secretary for a Passaic County Law Firm for over 20 years and as a Receptionist following a short retirement. At Charter Partners, she is responsible for policy booking all package and umbrella policies for all RPG's. She also handles the administrative functions in the Underwriting Department. She lives in Mansfield, New Jersey with her husband Gary. They have two sons, two daughters-in-law and two grandchildren. Before joining Charter Partners in November 1998, David worked at Continental Insurance for 13 years. His job responsibilities through the years were: Rater & Coder, Associate Underwriter, Rate & Code Supervisor and Underwriter. With the sale of Continental Insurance to CNA Insurance in 1995, David worked as a Supervisor of Raters and Underwriters. At Charter Partners, David is responsible for the following groups: Keystone Transportation Alliance, Fire Suppression Alliance, Association of Independent Metal Workers and Asphalt Surface Development Association of California. David graduated from West Virginia Wesleyan College in 1985 with a major in Marketing and a minor in Economics and Psychology. David lives in central New Jersey with his son. Before joining Charter Partners in January, 2003, Ms. Brunetti served as an Accounts Payable Coordinator at Brown & Brown of NJ, formerly; Bowers, Schumann & Welch for 12 years. At Charter Partners, Ms. Brunetti is responsible for account and company payables, and reconciliations. Ms. Brunetti has 15 years experience working in accounts payable for the fuel oil & manufacturing industry. She lives in Lopatcong Township, NJ with her husband Ken. She is the mother of two grown daughters and the grandmother of two granddaughters. Before joining Charter Partners, Susan was a Quality Assurance and Inventory Control Manager for Spectrum Supply Chain Services (a warehouse distribution center for JC Penney). Overseeing a group of 25, Susan's team was responsible for monitoring and measuring the quality in the warehouse, handling the problem freight and managing the data entry functions for the facility.
Prior to joining Spectrum, Susan was with Dun & Bradstreet for over 6 years, first as an Information Specialist and then as a Regional Public Record Consultant. Susan oversaw the collection of Public Records for the southwestern U.S.
Susan received her BSc. In Marine Biology for Dalhousie University in Nova Scotia, Canada, an MSc. in Biology from Texas A&M University and her MBA from Lehigh University. She also holds a PA Life, Health & Accident license. Susan lives with her husband and two daughters in Bethlehem, PA.
Before joining Charter Partners in April 2002, Johnna served as a Commercial Lines Rater for Penn National Ins. Co. for 5 years. At Charter Partners, Johnna is responsible for the quoting, issuing, & endorsement processing of new business & Renewal policies. Lines of business include Commercial Property, General Liability, Crime, Inland Marine, Automobile, & Workers Compensation. Before joining Charter Partners in July 2000, Frank held the following positions: Underwriter at TRM International from 1998-2000, Account Executive at P.A.Post Agency from 1993-1998, Underwriter at Continental from 1988-1993, Customer Service Representative at Meeker Sharkey Agency from 1987-1988, Rater/Analyst at Continental from 1986-1987 and Collection and Difference Analyst at INA/Aetna from 1985-1986. At Charter Partners, Frank is responsible for the following groups: Waste & Septage Haulers. Regional Alliance of Metalworkers, Association of Site Improvement Contractors and New Jersey School Bus. Frank earned his Bachelor of Science in Management from Rider University in 1982. Property and Casualty Licensed in 1993. At Charter Partners, Ms. Deluccia is responsible for the general accounting and financial reporting functions including accounts payable and receivables, collections, and financial reporting for the rent-a-captive groups. Ms. Deluccia earned her Bachelor of Science degree in Business Administration (concentration in Accounting) from Wagner College. She is a Chartered Property & Casualty Underwriter (CPCU) and licensed agent in New Jersey. She lives in New Jersey with her husband. Before joining Charter Partners in April 2005, Ms. Frankenfield worked as an Account Manager with Brown & Brown of NJ (formerly Bowers, Schumann & Welch) for one and a half years. She held various other positions there during the 19 years she was employed—mainly in Administration and Accounting. Lori is responsible for event coordination, meeting scheduling, purchasing, licensing and general office administration. Ms. Frankenfield holds a NJ Resident Producer license and a PA Nonresident Producer license and is working toward obtaining the CISR designation. Lori resides in Northwestern NJ with her husband, son and daughter. Before joining Charter Partners in January 2002, Ms. Gales worked in the Underwriting Department of National Companies including Corégis NY, Kemper National Insurance Companies, Fireman's Fund Insurance Company and Chubb Group of Insurance Companies. At Charter Partners, Ms. Gales is a part of the Underwriting Team, she is responsible for assisting the Underwriter's in account maintenance i.e. quoting and issuance (Property, GL, WC, Auto, etc.) of New Business and Renewal policies; processing of endorsements, cancellations and audits. Ms. Gales lives in Northern New Jersey. Jill Gonzales Prior to joining Charter Partners Mrs. Gonzales owned and operated a specialty food business. Jill also has a background in professional Theatre Arts and Business Administration.
At Charter Partners her role as Innkeeper, at Charter Farms, allows her to develop creative ideas for anything from one-of-a-kind events to recurring meetings.
Jill is also proud of her certification as a National Registry Paramedic working in the State of New Jersey. She resides in Northwest New Jersey with her husband and has two daughters.
Before joining Charter Partners in July of 2003, Rosalie held various Property Casualty Production Underwriting positions since 1976, including Kemper Environmental, CNA and Zurich Insurance Company. Rosalie's background also includes Agency Sales experience. At Charter Partners, Mrs. Jannarone is part of the Underwriting Service team and is responsible for the underwriting, growth and profitability of the United Towing Alliance, New York School Bus, Fuel Insurance Group and Managers & Commercial Real Estate Owners. Mrs. Jannarone earned her Bachelor of Arts Degree from The College of New Jersey and lives in Western New Jersey. Chris Krantz Before joining Charter Partners in May of 2002, Ms. Krantz served as the Account Executive for the Bollinger Golf & Country Club Program from 1998 through 2002. Prior to her work with the Bollinger Program, she held various Underwriting and Management positions with Crum & Forster Insurance, where she started in 1978. At Charter Partners, Ms. Krantz is responsible for coordination & development of new groups and also handles the Underwriting process for the Managers and Commercial Real Estate Owners, Vehicle Insurance Partners and the Fuel Insurance Group. In addition, she manages the Charter Partners Internal Underwriting Audit process, working directly with AAIC to ensure that the proper Underwriting documentation and exposure controls are present in our files and that the appropriate regulatory and compliance procedures are adhered to. Ms. Krantz earned her Bachelor of Arts Degree from Bloomfield College. She has her IIA Certification, having completed INS 21, 22 & 23 and has also successfully completed numerous parts of the CPCU program. Chris lives in Branchburg, NJ with her husband and two daughters. Lisa comes to Charter Partners with over 16 years experience in the insurance industry. She began her career in 1989 with Liberty Mutual in the Business Sales department, where she supervised 5 regional offices in the Mid-Atlantic district. In 1999, she joined Bowers, Schumann & Welch as an Account Executive, managing four regional purchasing groups and several large accounts.
Lisa received her degree in Business Administration from Lehigh County Community College and Muhlenberg College. In 2000, she completed and received her CIC designation (Certified Insurance Counselor). Most recently, she successfully completed the ARM designation (Associates in Risk Management).
She currently resides in Bethlehem Township with her husband and daughter. Debbie Schodowski Schodowski leads the insurance underwriting process within Charter Partners and serves as the underwriting expert for the Community. Her key responsibility is managing the risk selection and pricing for existing and new members. The team of underwriters reports to her. Responsibilities include underwriting guidelines, authority, audit, profitability, and training. She also has oversight of claims service providers.
Schodowski has extensive property/casualty insurance industry experience. Most recently, she served for two years as Regional Underwriting Manager for American International Group, responsible for management, marketing, administration, production and underwriting of a $90 million book of business in the Boston, Philadelphia, Atlanta and New York regions.
Debbie, a resident of Lenhartsville, PA., is a graduate of Hillsdale College in Hillsdale, Michigan.
Before joining Charter Partners in May of 2002 Ms. Solimani served as a Property Casualty Territorial Underwriting Executive CNA Insurance Companies for 7 years, in addition to 2 years as a Surety Underwriter. Karen also has an agency background. At Charter Partners, Ms. Solimani is a part of the Underwriting Service team, and is responsible for the underwriting, growth and profitability of the Independent Building Material Dealers, Asphalt Surface Development East, and the Alliance of Independent Contractors Groups. Ms. Solimani earned her Associates Degree in Liberal Arts from Somerset County College and lives in Western New Jersey with her son. Before joining Charter Partners in October 2003, Janine was a technical Help Desk Manager at Essroc Italcementi in Nazareth, PA. Prior to Essroc, Janine as Systems Administrator at Brown & Brown of NJ and Brown & Brown of Lehigh Valley (formerly Bowers, Schumann & Welch) for six years, and as an IT Consultant for Crum & Forster. At Charter Partners, Janine is responsible for supporting the computer network, and implementing new technology. Janine has 20 years experience in the Information Technology field. She lives in Pohatcong, NJ with her husband and two children. Before joining Charter Partners in September 2000, Ms. Spinnler served as an Account Associate and Director of Marketing at Bowers, Schumann and Welch for eight years. At Charter Partners, Ms. Spinnler is responsible for billing statements, reconciliations, cash receipts, placing new and renewal directors & officers coverage for all the Membership Groups. Ms. Spinnler also helps with the MACRO program for the retail division of the company. Ms. Spinnler received her New Jersey Insurance License in 1988. She lives in New Jersey with her husband and two children. With 13 years of Insurance Industry experience, Ms. Toth joined the Charter Partners team in November, 2002. Beth has a diversified background in insurance programs and holds a New Jersey residents license.Beth was born and raised in Edison, NJ and recently relocated to the Washington Borough, NJ. Mrs. Ujvary joined Charter Partners in September 1998, after working for two and a half years as a client service agent with Bowers, Schumann & Welch (BS&W). Prior to BS&W, Mrs. Ujvary worked as a Human Resources Assistant for an employee leasing company. Mrs. Ujvary holds a Certified Insurance Service Representative designation. She has a resident producer license in New Jersey and numerous non-resident licenses in other states. She resides in Pennsylvania with her husband and two daughters. Before joining Charter Partners in May 2002, Ms. Waananen worked in the Financial Services industry as a Senior Collection Specialist. Prior to that, she worked in New York City as a Certification and Training Coordinator for a non-profit marketing association. Ms. Waananen attended Montclair State University and resides in Central New Jersey. | | |||||||||||||||
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FRANK M. BIAMONTE
PATRICIA A. COWLEY
SUSAN L. STARK
Cindy Anderson
Jean Becker
David Bishof
Lillian A. Brunetti 
Susan J. Burnett 
Johnna Curry
Frank DeGeorge
Debbie Deluccia
Lori Frankenfield
Crissy E. Gales
Lisa Musike, CIC, ARM
Karen J. Solimani
Janine M. Spadafora
Dawn Spinnler
Beth Toth
Kimberly J. Ujvary, CISR
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