The Risk Management Team

Providing Expert Guidance

With varied backgrounds from all sides of the insurance industry, the Risk Management Team brings together a highly-qualified group of professionals to provide the expertise and guidance you seek to protect your people and your assets. Our team will tailor a solution that best fits your unique needs.

Risk Management Team

Jennifer Angerame

Jennifer began her insurance career in 1995 as a medical underwriter for CNA Insurance.  Jennifer has held positions on both the carrier and broker sides of the business for the past 20 years. She has lead Account Management Teams, redesigned implementation processes and has worked with clients on their financial, administrative and wellness strategies. Jennifer has a strong compliance background and works with her clients to ensure compliance with ERISA, HIPAA and the Affordable Care Act.  In  her role as the Director of Operations at Wine Sergi, Jennifer works with her account management team to ensure they have the tools and resources needed to provide exceptional client service. 

Personal:   Jennifer grew up in Kewanee, Illinois, attended Knox College and now resides in Plano, Illinois with her husband David, son Matthew, daughter Sophia and dog Gator.   Jennifer’s leadership and strong work ethic developed at a young age on the basketball court. Her high school team qualified for State three of her four years. She also went on to play college basketball, where she continues to hold the field goal percentage record today. Jennifer’s love of sports was passed down to her children. Her son, Matthew, is an accomplished soccer player. Her daughter, Sophia, trains in many forms of dance with a strong focus in ballet. She currently trains with members of the Joffrey Ballet. When Jennifer isn’t working or following her children’s sports, she is cheering on the Florida Gators.

What the "Definitive Client Experience" means to me:   The “Definitive Client Experience” is understanding the client’s total cost of insurance while providing personalized solutions that coincide with their philosophy, satisfy budget limitations, and meet the needs of their individual employees.  By effectively developing a long term insurance strategy, our clients are able to forecast their budgets more accurately and will realize greater control over the rising costs of insurance. 

Ed Bowman

Ed began his insurance career in June of 1974.  For the past 40 years he has been providing advice and counsel to his clients assisting them with their risk management needs. Ed has been heavily involved in the Independent Insurance Agents of Illinois  (IIA) serving as their President and State National Director.  He was the recipient of the C. M. Cartwright Merit Award in 1993.

Personal:   Ed has been a Chicago area resident his entire life.  He currently resides in Naperville with his wife Susie.  They have two grown children who have provided them four wonderfully active grandsons ranging in age from four to ten.  They spend their free time attending their grandson's events, travelling and playing golf..

What the "Definitive Client Experience"means to me:   The "Definitive Client Experience" is listening to our clients' needs and concerns to develop a risk management program to address their specific exposures by incorporating the tools at our disposal to mitigate their exposure to risk, and control their insurance costs. 

Ken Cuvala

Ken began his insurance career in June of 1995.  With over 20 years of insurance experience as an advisor and consultant, he engaged in the following business practices:  Construction to include General Contractors and Artisan Contractors; Private Schools; Municipalities; Hospitality, Hotels & Motels; Restaurants, Bars & Taverns; Transportation to include Trucking risks and distributors and Manufacturers.  He has dedicated his focus on the "Customer Centric Approach" in which he is fully engaged with his clients and responds to their every insurance need on a daily basis.  This connection and open communication allows Ken to interact with his clients and develop a risk management program drafted for their specific insurance needs.  A comprehensive and cost preventative insurance program will provide his clients with a distinct advantage over their competition.

Personal:   Ken was born on the south side of Chicago and now resides in Northwest Indiana.  He has two fantastic children.  His son Michael will be graduating from Munster High School.  He has participated in ice hockey and is a member of the National Honor Society.  Michael will be attending Indiana University in the fall of 2016.  His daughter Jill will be entering her sophomore year at Munster High School.  She is enrolled in several high honor roll classes and is a member of the Varsity Dance team.  Ken has played ice hockey on an amateur and professional level.  He also enjoys golf, tennis, weight training and cycling.

What the "Definitive Client Experience" means to me:   The “Definitive Client Experience” is providing an analysis of my clients' overall exposures and designing a specific plan to mitigate future losses and reduce their overall insurance expenditures.  This allows my clients to be more attractive to the insurance market place, and provides them with several options on coverages and helps manage their insurance costs.  Ultimately, this program gives my clients a competitive advantage.  This insurance experience is second to none.  Taking a customer centric approach and interacting with my clients and their overall business and insurance requirements, allows me to understand every aspect of their risk management requirements.

Don DeWitte

Don has spent nearly 30 years in the building materials industry, involved in sales and sales management in retail and wholesale distribution environments centered around the remodeling and home building industries.  He is a graduate of the University of Illinois’  “Leadership Enhancement and Development” program (LEAD) in conjunction with the Illinois Municipal League, and has completed additional strategic planning and leadership training at the Arthur Anderson World Training Center in St. Charles.

In addition, Don has spent 20 years as a municipal elected official, eight years of which were spent as Mayor of the City of St. Charles, one of the area’s most progressive and well respected communities.  This combination of knowledge and expertise, in both private industry and public entity sectors, allows Don to provide our clients with unique perspectives in dealing with the unanticipated risks of doing business in ever-changing economic and political environments.

Personal:  Don attended Elgin Community College, in Elgin, Illinois and is a St. Charles native. He has been married to his wife Diane for 30 years. They have two grown sons. On weekends, Don and Diane, along with their faithful Yellow Lab, Maggie, can typically be found walking along the Fox River Bike Path

What "The Definitive Client Experience” means to me:  "Having the ability to provide our clients with high level risk management solutions to issues and problems they have not yet experienced."

Blake Erickson

Blake began his career in 2012 and since that time he has committed himself to transforming the employer experience when it comes to their interaction with employee benefits.  His efforts have been focused on redefining the employer-broker relationship and eliminating the conceptual status quo that exists within the benefits industry.  Blake assists Wine Sergi clients through the implementation process and helps to guide renewals to ensure a smooth open enrollment.  His efforts focus on two distinct but equally important areas:  educating employees to become better healthcare consumers utilizing communication and technology, and through the Value-Based Benefits Design process to ensure plans are developed appropriately, taking into account the needs of the employer as well as the employees.

Personal:  Blake was born and raised in the west suburbs of Chicago.  He married at a young age to his wife, Hope, whom he met at church at the ripe old age of eleven.  A new father to his son Gunnar who is rapidly approaching his first birthday.  He is a parent to two dogs, Lucy and Adie.  He spends his free time consulting millennials regarding debt and personal finance.  Much of his weekends are spent around the house enjoying (or working) in his yard and relaxing in his active neighborhood.

What "The Definitive Client Experience” means to me:  "The Definitive Client Experience" means redefining the way employers interact with their employee benefits advisors.  It's about helping employers understand that they should no longer be settling for the status quo and that they should expect more from their broker than they did five (5) years ago.  It's about educating employers and employees alike to help them become better healthcare consumers.

Lindsey Polzin

Lindsey graduated Summa Cum Laude from Bradley University.  She began her insurance career in 2002 working in Personal Lines.  In 2005 she moved to the commercial side of the agency.  Since then she has worked with a range of customers and industries including Construction, Manufacturing, Wholesale and Technology.  In 2009 she earned her Certified Insurance Counselor (CIC) designation.

She is involved in the IIA of Illinois, our State Association for insurance agencies serving as Young Agent Chair from 2008-2012.  Lindsey is currently serving as the Education Chair working on helping our State Association expand and improve our Insurance Education Programs.

Personal:   Lindsey was born and raised in the suburbs of Chicago.  She met her husband Tim at Bradley University and they enjoy raising their two boys.  Their free time is full of soccer, swim lessons and bike rides.

Colleen Trapp

Colleen comes to Wine Sergi with over 30 years experience in Employee Benefits having worked exclusively with self-funded plans at Benefit Systems & Services (BSSI), a Third Party Administrator, for 25 years and the past 8 years as a broker/consultant.  At BSSI, Colleen spent time in the Information Systems Department as Database Administrator helping to design and test eligibility, claim processing and reporting systems as well as Flex Spending Account and COBRA systems.  Colleen ended her career as Vice President of Client Services managing a staff of 10 responsible for writing and amending plan documents, excess loss procurement and claim processing, new client on-boarding, compliance assistance and monthly reporting.  This extensive knowledge of the mechanics of employee benefit plans has been extremely valuable to clients in her career as broker/consultant.  Colleen's clients are primarily school districts, both self-funded and insured.

Personal:  Family is everything to Colleen and her husband Russ.  They have two daughters, a son-in-law and a precious granddaughter that receives all of their attention.  Weekends are spent working n the yard, riding a bike or just about any other form of outdoor activity.

What "The Definitive Client Experience” means to me:  "Finding the right balance between cost and coverage for both the employer and the employees is the goal.  Cutting costs is easy, but a satisfied and stable workforce is more valuable.  I will fight for 100% of what is due from a policy; the employer should pay mo more and the employee should receive no less."