Who We Are

Insight Specialty Programs has been developing complementary products and programs for insurance carriers since 2008. The company started with various identity theft solutions that were offered to homeowners insurers as a new endorsement. Today, Insight Specialty Programs offers a menu of highly valued insurance and non-insurance programs that are added to the products offered by insurance companies, managing general agencies, direct marketers, associations and affinity groups of all types.   


Thomas A. Harms, President

email: tharms@insightspecialty.com

Tom has served as President of Insight since its inception, bringing with him over 30 years of insurance program experience. Prior to joining Insight, Tom was a Senior VP at Aon, where he ran the Program Division of Aon Specialty Re. Tom started his career with Liberty Mutual, and later joined GL Hodson & Son, a reinsurance intermediary. He continued on to Alexander Re as a reinsurance intermediary specializing in facultative and treaty reinsurance as well as specialty program business. Tom then joined Ardent Risk Services, a wholly-owned subsidiary of General Reinsurance Corp, leaving in 2000 to join Braishfield Associates, a large Northeastern managing general agency. 

Tom has over 40 years of experience in the insurance, reinsurance and specialty lines insurance industry, and holds a bachelor’s degree in Business Administration from Pace University.

Michael J. DiLoreto, COO

email: mdiloreto@insightspecialty.com

Mike is chief operating officer of Insight Specialty Programs. He also serves as the CEO of JDI Risk Advisors, LLC and JDI Insurance By Design Agency, LLC. These organizations are all involved in the distribution of specialty insurance products nationally.  Prior to co-founding the JDI companies, Mike enjoyed a successful, 20-year career as a Principal of a global reinsurance intermediary. His experience includes property, casualty, life, health, annuity and structured reinsurance programs.

Mike is a graduate of Pace University, where he received a bachelor's degree in Business Administration with a major in Accounting. He is a former Chairman of the Board of Directors of SIIS, a Texas-based insurance trade association and is an active participant in the Dallas World Affairs Council.

Andrew P. DiLoreto, Chairman (Non-Executive)

Andy is a founding partner and CEO of Insight Catastrophe Group, LLC an insurance risk advisory firm and underwriting management company. Prior to starting Insight in 2005, Andy served as executive vice president at Benfield Inc., the US division of Benfield Group Limited, and was a member of the Global Group Executive Committee. Andy also served as president and CEO of Herbert Clough Inc. and Ardent Risk Services’ both wholly-owned subsidiaries of General Reinsurance Corporation. He also served on General Reinsurance’s US Executive Committee.

Andy holds a bachelor of science degree in Finance from Villanova University and currently serves on the Dean's Advisory Board to the Villanova School of Business.