The Commercial Line

About the Authors

Botos_Ed - WestfieldEd Botos

Ed is a quality assurance analyst in the Commercial Underwriting Office, Underwriting Practices Center for Westfield Insurance. He has over 40 years experience in the insurance industry and has held underwriting positions at national carriers, as well as account manager positions at independent agencies.

Ed has earned the Chartered Property and Casualty Underwriter (CPCU), Associate in Underwriting (AU), and Associate in Risk Management (ARM) designations.


Cassie Chambliss

Cassie is a regulatory compliance analyst in the PL RD Compliance Center.  She has over 30 years in commercial insurance and has her CIC (Certified Insurance Counselor) and CRM (Certified Risk Manager) designations.


Chidsey Darryl - WestfieldDarryl Chidsey

Darryl has worked for Westfield Insurance for over 33 years, and holds a Certified Insurance Counselor (CIC) designation.  A graduate of Bowling Green State University, Darryl has worked in various underwriting, marketing, management and product development positions. He is currently the Line of Business Manager for Commercial Auto in Westfield’s Commercial Underwriting Office.


Rick Cosenza

Rick Cosenza is a Quality Assurance Analysts in Westfield Insurance’s Commercial Underwriting Office. His main area of responsibility is with Workers Compensation, where his focus is on the quality, profitability and growth of these areas.

Rick Cosenza has 35 years of experience in the industry and including 5+ years with Westfield, holding roles in Westfield’s commercial lines business units. He is a graduate of Western Illinois University.


Lorie Dorsey

Lorie Dorsey is a business sector analyst in Westfield Insurance’s Commercial Underwriting Office.  Her main areas of responsibility are with the manufacturing sector and commercial auto and workers’ compensation lines of business.

Lorie has over 30 years of experience in the insurance industry in various roles within the Claims, IT, Personal Lines, and Commercial Lines business units.  She holds a Bachelor of Arts Degree in Business Management & Operational Leadership from Walsh University.


Duncan_Scott - WestfieldScott Duncan

Scott is a business process leader for Westfield Insurance. His areas of expertise include underwriting rules, underwriting workflows and policy processing. He possesses an undergraduate degree from Baldwin Wallace University and 23 years of industry experience. He can be reached at


Terry EwingTerry Ewing 

Terry has been in the insurance business with Westfield for over 40 years, having experienced all facets of commercial lines as a coder, rater, underwriter, underwriting manager and product line of business manager.

She is currently the line of business manager for all lines, general underwriting information and umbrella.


Hannah Fulk 2016Hannah Fulk

Hannah Fulk is a Portfolio Underwriter in the Agribusiness division at Westfield Insurance.  She handles existing accounts that are $40,000 – $75,000 in the states of Pennsylvania, Virginia, West Virginia, Maryland, and Delaware. With an undergraduate degree from Bowling Green State University and a graduate degree from Delaware State University, Fulk has a strong background in agriculture having grown up on a farm and participated in Future Farmers of America and 4-H.


Hudec Leigh Ann - WestfieldLeigh Ann Hudec, AU

Leigh Ann is the Property Line of Business Manager for Westfield Insurance. Her background includes working for insurance carriers and an insurance agency. In all, she possesses more than 30 years of marketing and underwriting experience along with an undergraduate degree in business administration. Leigh Ann can be reached at


Ruth A. Knopf JD, CPCU, CIC, ARM, AU

Ruth is a Quality Assurance Analyst in the underwriting practices center for Westfield Insurance.  Her insurance experience includes employment in the commercial underwriting units of three other insurance companies. Knopf earned her Juris Doctor from the University of Akron and both her Master of Business Administration and Bachelor of Arts in Business Management from Malone College.


Nick Mamone

Nick Mamone is a business sector analyst in the Commercial Underwriting Office at Westfield  Insurance. His main areas of responsibility are the Hospitality, Health Care, and Real Estate sectors. Nick’s main focus is researching and reporting on a wide variety of topics that impact the profitability and growth of these sectors within Westfield’s book of business.


Montgomery Jim - WestfieldJim Montgomery

Jim is the sector manager for the construction sector at Westfield Insurance. He has more than 40 years of experience in the industry, working in production, branch management, and risk management focusing on the large account segment of commercial lines.



Morisky Marty - Westfield

Martin J. Morisky CPCU, ARM, ALCM, ARe

Martin is a Consulting Underwriter in the Commercial Underwriting Office for Westfield Insurance, who serves as the company’s property advisor. He spent twelve years at Westfield Insurance and 44 years in the industry in various underwriting, technical and managerial positions with a number of national and international carriers. He has taught IIA, CPCU, and ARM courses for many years and has served as CPCU Education Chairman for both the Cleveland and Columbus CPCU Chapters.


Westfield - Jay Myer copyJay Myer, CPCU, CIC, ARM, CRM, AFIS

With an undergraduate degree in Agronomy from Iowa State University, Jay is the agribusiness field manager for Kentucky, Tennessee, SW Indiana and much of Illinois at Westfield Insurance. He joined Westfield in 2006 and has worked in its commercial agribusiness division. Prior to joining Westfield, Myer worked in a variety of capacities, including loss control, direct agent representative, and production underwriting. Before working in commercial agribusiness insurance, he worked four years at a full service farm cooperative in SW Iowa. Overall he possesses more than 35 years of agribusiness experience. He can be reached at


Bart RaheBart Rahe 

Bart is the Product Development Leader for the Casualty Lines of Business in Westfield Insurance’s Commercial Underwriting Office. His main area of responsibility is to direct and guide the development of the casualty lines of business products with the goal of profitability and growth of these areas.

Bart has 38 years of experience in the industry, holding numerous roles in Westfield’s commercial lines business units, across a majority of Westfield’s operating states. He is a graduate of The Ohio State University.


Ramsey Danny - WestfieldDanny Ramsey

Danny is a Workers’ Compensation Business Line Manager with Westfield Insurance Group. Danny is the subject matter expert with over 20 years experience in Workers’ Compensation and works with all areas of the company to enhance and develop the Workers’ Compensation product line.
Email him at:



Taylor_Kristin - WestfieldKristin Taylor

Kristin is a product development analyst within Westfield Insurance’s commercial underwriting office. Her current areas of focus lie within the real estate and manufacturing industries, where she holds responsibility for maintaining and creating new products, as well as staying abreast of insurance market conditions and trends within targeted industries.

Additionally, she has a strong love for agriculture, and has previous experience with farm and commercial agribusiness underwriting. Kristin is a graduate of Ashland University.


Teri Uttech

Teri Uttech is the Businessowners, Crime and Data Compromise Line of Business Manager in the Commercial Underwriting Office for Westfield Insurance.  She has a background in Commercial Underwriting as well as 17 years of experience in the Independent Agency setting in various roles.  She graduated from the University of Wisconsin-Whitewater with a degree in Finance and Insurance.  Teri can be reached at .

Vettel_Mike - WestfieldMike Vettel

Mike started his career at Westfield Insurance in 1997 and is currently a business sector analyst within Westfield’s commercial underwriting office.

Mike has obtained his Chartered Property Casualty Underwriter (CPCU) and Certified Insurance Counselor (CIC) designations, and is a graduate of The University of Akron, where he earned a bachelor’s degree in both business marketing and advertising.


Vicari_Tony - WestfieldTony Vicari 

Tony has worked for a variety of insurance companies in underwriting and marketing roles for more than 40 years. He has a background in many industry types with an emphasis in casualty lines.  Currently, he works in the Westfield Underwriting Practices area as a Quality Analyst.

Wachter Matt - WestfieldMatthew Wachter

Matthew is an attorney who works as a Regulatory Compliance Analyst in the Commercial Underwriting Office at Westfield Insurance. He has more than nine years experience in the insurance industry including claims and regulatory matters, as well as private legal practice.




Greg Wetherwax

Greg Wetherwax

Greg Wetherwax is the General Liability, Employers Liability and Employment Practices Liability Line of Business Manager for Westfield Insurance.  Greg has over 30 years of insurance experience working with larger national and international carriers.



Jennifer Wetzel

Jennifer Wetzel

Jennifer works as the Commercial Lines Product Development Leader in the Commercial Underwriting Office. She has been in the insurance industry for more than 20 years, and has worked for both national carriers and regional insurance companies in various positions.


Bill Young

Bill Young is a Quality Assurance Analyst in the Westfield Insurance Commercial Underwriting Office. His main responsibility is to review new and renewal business for underwriting quality and offer suggested areas for improvements. Bill has 27 years experience in Commercial Insurance with roles that include Field Production Underwriter, Underwriting Manager, Lead Branch Underwriter, Corporate Special Risk Large Account Underwriter and Agency Marketing Director. Prior underwriting experience was geared towards Construction and Manufacturing risks with a focus on Loss Sensitive Workers Compensation programs. Previous employer carriers include Fireman’s Fund, Fidelity & Deposit of Maryland, Amerisure (16 years), Bowen, Miclette & Britt Agency and currently with Westfield Insurance at 4 years tenure. Graduate of the University of Central Florida with a major in Business Finance.