David Alter CPCU, AAI, AMIM, CRIS | Insurance Agent
With an illustrious career of more than 40 years in the insurance industry, David shares his wealth of information and experience by servicing his clients in the construction industry as well as manufacturing and commercial real estate to the highest level. As a leading insurance agent for Collinsworth, Alter, Fowler & rench, and with an eagerness to continuously evolve and grow, David has taken advanced courses and earned the professional designations of CPCU, AAI, AMIM and CRIS. He has always had a strong desire to learn and broaden his knowledge and skills by continuing to take insurance related courses.
David received his Bachelor’s degree from the University of Florida and entered the workforce with the attributes of dedication, loyalty and hard work. He is extremely passionate about doing what he can to give back and for almost ten years, David was active in purchasing and sending “goodies” to deployed military troops in Iraq and Afghanistan. This speaks volumes to the kind of person he is and what he is willing to do to help others. No matter what the task is, he goes above and beyond to help others both personally and professionally.
David and his wife, Sandy, live in Broward County and enjoy spending time with their children and grandchildren who fortunately live nearby. He also loves escaping to North Carolina where he can spend quality time with family and friends enjoying the outdoors and the change of seasons which is quite a contrast from the South Florida lifestyle – he’s lucky to get the best of both worlds.
In David’s role as an Insurance/Risk Advisor for Collinsworth, Alter, Fowler & French, he works closely with his clients to assess and identify the potential risks that may hinder their reputation, safety, security and financial prosperity of their organization. Once these tasks are completed, he focuses on helping them to mitigate their risk by aligning them with the proper coverages and procedures to ensure that they are fully protected with minimal concern. In addition, he is also responsible for maintaining and building strong client relationships.
David has been involved in the insurance industry for more than five years and joined the CAFF team back in 2016. He holds a General Lines Agent License (2-20) and Life (including variable annuities) & Health (2-15) licenses. He is committed to continuing his education in the industry so he can provide his clients with the best solutions in the industry.
He grew up playing basketball, baseball and racing motocross and believes these extracurricular activities helped him build discipline and a strong work ethic. David currently resides in Wellington, Florida with his wife Alexandra. It is in this beautiful city near West Palm Beach that they hope to raise a family in the future. In his spare time, he enjoys spending quality time with family and friends, playing sports and traveling.
For more than twelve years, Justin has proven himself as a strong risk advisor for Collinsworth, Alter, Fowler & French with a specialized area of focus in construction. Justin is responsible for developing new business relationships while also maintaining existing client retention and growth. While Justin works to continually secure new opportunities for CAFF in his position as a Construction Practice Leader, he is extremely loyal and dedicated to building solid and long-term relationships with his clients and has a built a solid reputation as the go-to guy in the industry.
Justin holds the following designations: Construction Risk Insurance Specialist (CRIS) and Certified Workers Compensation Underwriter (CWCU). Through this extensive training and more than a decade of hands-on experience, he has obtained comprehensive knowledge of risk management for the construction industry which he imparts to his clients to help ensure their success.
Justin is a motivated self-starter, a strategic thinker, and passionate career-minded professional. He is a native of South Florida and in his spare time, he enjoys all the outdoor activities that the South Florida lifestyle offers including fishing, boating, and golf, just to name a few.
As the Insurance Sales Leader for Collinsworth, Alter, Fowler & French, Lee’s primary goal is to increase business for the agency. In this position, he is responsible for leading his team of agents towards meeting or exceeding their sales goals and increasing their industry knowledge and business strategies.
His experience spans more than 40 years in the industry, beginning his impressive career at Home Insurance Company and helping to establish CAFF almost 30 years ago. Lee is extremely passionate and driven and possesses a strong sales and business acumen . His duties are rooted in strategy, education and the mentorship he offers. He is an excellent coach and mediator who uplifts his team members and is committed to their professional development.
Lee graduated from the University of Florida and he holds a 2-20 License, a 6-20 Adjuster’s License and he is also an Accredited Insurance Advisor (AAI). He is the recipient of an Outstanding Performance Award from the Environmental Risk Insurance Company and he is a proud Board Member of the Associated General Contractors Board Member and Agent’s Counsel – Amerisure Insurance Co.
He is married with two children and resides in the Falls area of South Dade County. Lee enjoys all that the South Florida lifestyle has to offer.
Charlie Fumagali CIC, CRM | Certified Insurance Counselor
With over 35 years as a professional insurance executive, Charlie helps his clients by improving the quality of their corporate insurance & risk management needs as well as their employee benefits programs by implementing the most cost-effective solutions for their businesses. His areas of expertise include program assessment, risk analysis, and designing customized programs (these consist of evaluating non-traditional alternatives, i.e. self-insured plans, large deductible plans, captives, etc.) to improve the client’s total cost of risks as well as profit margins.
Charlie’s insurance & risk management experience began when he was an underwriter for Travelers, where he served as a commercial analyst, engaged in the underwriting and claims adjustment of complex commercial accounts. Over his years in the industry, he has worked with some of the top insurance firms in the nation, including Marsh, Willis, and USI Insurance, where he was ranked as a top performer in the areas of risk management consulting.
Throughout his career, Charlie has gained diverse experience – from working as an insurance broker to becoming a Managing Partner/CEO. In addition, he successfully pioneered a unique consulting approach to enable efficient auditing of insurance & risk management programs which is utilized in the private and public sector in order to minimize client’s business risks. This consulting practice received the national best practice award from leading insurance firms.
Charlie graduated from the USMC Officers Candidate School, as well as earned a Bachelor’s degree in Risk Management & Insurance from Florida State University. In addition he earned the Certified Insurance Counselors (CIC) and Certified Risk Managers (CRM) professional designation, and participates as an instructor-speaker at various industry conventions and associations.
Charlie has earned the Certified Insurance Counselors (CIC) and Certified Risk Managers (CRM) professional designations. In addition, he participates as an instructor and speaker, conducting educational seminars at various universities, industry conventions, and associations.
As a Commercial Insurance Advisor for Collinsworth, Alter, Fowler & French for the past 8 years, Jason’s focus is on construction and commercial property. His responsibilities include business development, client retention and contract review as well as coordinating loss control and safety for his clients to help them mitigate risk.
On a daily basis, Jason seeks to challenge himself and continually hone his skills. He is committed to his professional growth and keeps his sights set on achieving his goals. Jason is dedicated to providing the guidance and support to his clients to help them manage the exposures and liabilities of their business to accurately reflect their risk tolerance.
Jason received his Bachelor’s degree from the University of Florida. After graduation, he continued his education by attending The Hartford School of Insurance. He holds both the CRIS and CLCS industry designations.
He was born and raised in Miami and currently resides with his wife and son in Delray Beach and enjoys all that the South Florida lifestyle offers.
As a Commercial Insurance Specialist for Collinsworth, Alter, Fowler & French, Michael’s responsibilities include risk assessment and insurance program development for the construction industry. His primary focus is annual practice programs (General Liability, Auto, Property, Workers’ Compensation, Executive Package, & CPPI) and project specific programs (OCIP/CCIP, Builder’s Risk & OPPI).
Michael possesses nearly 20 years of construction insurance and risk anagement experience. He began his career in the industry on the corporate side where his focus was on loss control, claims management and underwriting for construction risks. He made the switch to the agency side joining CAFF more than 15 years ago.
Michael earned his Bachelor of Science degree from the College of Business at Florida State University. He was honored with the prestigious 2017 Latin Builders Association Agent of the Year Award as well as the Trusted Insurance Advisor designation from The Hartford. Michael is a long-standing and active member of multiple construction associations including ABC, AGC, ´CASF, ECA and FTBA.
He was born and raised in South Florida and currently resides in South Miami with his wife and two beautiful and rambunctious children. In his spare time, he enjoys golf, working with his son’s football team and attending his daughter’s dance recitals.
In Chad’s position as the Director of Business Development for Collinsworth, Alter, Fowler & French, he is responsible for prospecting, obtaining, and developing successful relationships with the goal of maintaining profitable sales growth. In his role, he researches, identifies, and recommends new business leads, develops and presents proposals and client specific solutions.
He is a professional insurance executive with broad experience in all aspects of personal and commercial property and casualty, employee benefits, surety bonds and corporate risk management. Chad is interested in both individuals and companies with complex insurance and risk management profiles. His areas of specialty include business risk analysis, insurance audit, benefits consulting, talent management solutions, M&A due diligence and transaction insurance, disaster planning, construction project specific insurance procurement, personal insurance and estate planning.
Chad began his insurance career working with several large insurance companies. There he assumed various roles in client service, underwriting, administration and business development. He then moved to the retail brokerage side of the business, where he has held executive and partner positions with several national and regional broker firms. His roles have included business development, sales leadership and operational oversight.
He has a General Lines Agents License (2-20) in Florida and is working on obtaining his Certified Insurance Counselor (CIC) and Registered Professional Liability Underwriter (RPLU) designations. He received a Bachelor of Arts Degree from Grand View University. While there, Chad was a team captain on the varsity baseball team. In his spare time, he enjoys playing golf and some would say, he is quite the wine connoisseur.
As a Risk Manager for Collinsworth, Alter, Fowler & French, Eric is ultimately responsible for ensuring that CAFF clients secure their reputation and profitability by controlling risk. In his position, he oversees, monitors, and advises clients on various types of risk including business, financial, legal and security. He helps to improve safety and identify potential threats to his clients’ businesses. He excels at creating planned solutions that help mitigate potential risks for his clients.
Eric is a highly perceptive and a methodical professional. He has the talent and ability to communicate effectively the programs best suited to his clients’ needs. His career spans 14 years in the industry with a strong focus on construction and large property programs. Prior to joining CAFF, he spent nearly a decade at Brown & Brown where he gained valuable experience. He has earned the professional designations of Construction Risk Insurance Specialist (CRIS) as well as Certified Insurance Counselor (CIC). His background also includes being the Past President of the Independent Insurance Agents of South Florida.
Eric was born and raised in Miami and is a University of Miami graduate. He loves all that the South Florida lifestyle offers – boating, fishing, and the opportunity to play sports year-round. He currently lives in Miami Lakes and is the proud father of 4.
Mel has specialized in commercial, construction and personal lines insurance for over 35 years. Many of his clients have been with Mel since he started in the industry, which is an excellent testament to his ability, service and integrity.
He believes that there are two key elements to being a good agent: Understanding your client’s needs and designing coverage plans that meet those needs, and once this is accomplished, service the heck out of the account! Mel’s unique problem solving abilities help him handle unusual and hard to place coverages, because of his creative approach.
A native New Yorker, Mel, along with his wife and daughter currently reside in Miami Beach.
As a processing clerk for Collinsworth, Alter, Fowler & French, Cecile’s responsibilities are diverse and includes assisting with various items within the agency.
For the past 30 years, Cecile has been involved in the insurance industry in some capacity. Throughout her career, she gained valuable experience and still today, the old school skills she learned come in quite handy in her day to day role.
Cecile graduated from a Alpha Commercial College in Kingston, Jamaica, WI. She currently resides with her husband in Homestead. Her greatest pleasure is spending quality time with her children and extended family.
In Sonia’s position as a Junior Marketing Associate in the Commercial Lines Division for Collinsworth, Alter, Fowler & French, her duties are broad and include quoting, rating various lines of business, and exploring the most competitive rates and coverages for CAFF clients. She continues to work diligently to develop her skills as an experienced marketer and she knows the importance of focusing on building relationships with the carriers.
With 7 years of experience in the insurance industry under her belt, she has gained a strong working knowledge of the diverse product line and offerings for clients. Sonia began her career as a Customer Service Representative where she honed her ability to connect with customers and understand their needs.
Sonia is dedicated to giving back to her community and in her spare time, she enjoys mentoring and guiding young girls and serving in her local church.
For nearly 14 years, Rosie has been a Marketing Manager for Collinsworth, Alter, Fowler & French, and has played an integral role in the company’s growth. Her key areas of responsibility include marketing both new and renewal commercial accounts. In her role, Rosie provides direction, support and marketing guidance to the CAFF’s commercial line client and their producers. Rosie works closely with brokers, contract carriers and the CAFF account managers to ensure
the customers’ needs are met.
Rosie’s broad experience spans more than four decades in the insurance industry. She started her distinguished career as a file clerk and successfully navigated her way through claims and account management. For the past 20 years, her focus has been marketing commercial accounts and the last 10 years she’s been also marketing medium to large construction accounts. Rosie’s industry expertise is unparalleled and she works diligently to impart her breadth of
knowledge to her CAFF team members as well as CAFF’s clients on a daily basis.
Mayda has dual positions as both the front office receptionist for Collinsworth, Alter, Fowler & French as well as the phone operator for Nielson, Hoover & Company.
Before joining the team, she worked for Fred McGilvray Inc. Construction Company for 18 years. It was there that she gained valuable industry experience and had the opportunity to meet Chuck Nielson who had been their bonding agent. When the opportunity presented itself for Mayda to join the Nielson Hoover Group of Companies, she was excited, It was a comfortable and natural fit for her.
In her role, Mayda is the first impression of the company, whether it be in person or on the phone. She takes great pride in her duties and is a consummate professional and an outstanding people person. She is a strong multi-tasker and possesses excellent communication skills.
Mayda is devoted to her family and will tell you that her greatest accomplishments are her daughter and son whom she is extremely proud of. She lives in Hialeah with her husband and mother and enjoys spending as much time as she can with her loving family.
As a Commercial & Personal Lines Account Manager for Collinsworth, Alter, Fowler & French, Gladys’ responsibilities include managing a book of business, issuing renewals and endorsements, creating proposals, quoting new and renewal business, and other general account management duties.
Gladys’ impressive insurance career spans more than 35 years and her knowledge is unsurpassed. When she entered the field, her focus was primarily in personal lines. When she joined the CAFF team nearly 20 years ago, she began in Commercial Lines and has since transitioned to managing both Personal & Commercial lines with her extensive experience.
She is a licensed 220 agent who possesses a keen understanding of the diverse insurance products available and she prides herself on delivering the highest quality of professional service to every client and helping to develop customized solutions to meet their needs.
Gladys’ greatest sources of pride are her two sons and granddaughter.
In Rosy’s role as a Commercial Lines Marketing Assistant at Collinsworth, Alter, Fowler & French, she is responsible for assisting the team through customer service, account retention, general back office support and other assigned duties.
Rosy prides herself on delivering outstanding customer service by working with clients to help answer questions, solve issues and make recommendations. She possesses a strong work ethic and is a team player. On a daily basis, she assists multiple producers while working hand in hand with the experienced CAFF service team. In this position, Rosy performs various functions including policy quoting, binding, issuing, as well as marketing for new and renewal business. With more than a decade of commercial lines insurance experience, she is knowledgeable in all facets of the field as well as being skilled in underwriting.
As an Account Manager for Collinsworth, Alter, Fowler & French, Odalys services all aspects of client’s diverse insurance needs. Her primary responsibilities include building relationships with clients and prospects to exceed their service level expectations, while managing their portfolio of insurance policies.
Odalys focuses on the higher level, more strategic and technical needs of CAFF client’s insurance programs. She possesses strong knowledge of the insurance industry and the skills to manage the book of business. She is a team player who helps to mentor and lead her teammates to success.
Odalys began her insurance career more than 30 years ago through a work program her high school offered. She has her 220 License and her vast experience and expertise has been, and continues to be, an instrumental part of CAFF’s growth.
In her free time, she enjoys spending quality time with family, dining out, and traveling. She is also a real movie buff who appreciates the art and the escapism movies offer.
With more than 30 years of proven experience in the construction and risk management insurance industry, Sonia is responsible for creating and managing commercial insurance strategies for a growing client base in both the U.S. and Latin America. As an Account
Executive for NHG Specialty, she is uniquely qualified for her role and possesses key strengths that have helped her make significant contributions to the companies that have been fortunate enough to receive her expertise.
Sonia focuses on building solid client relationships rather than just insurance programs.
She recognizes that an insurance certificate can make or break any project, therefore, she approaches each program with a sense of urgency and dedication to service – this combination has earned her a superior client retention record. Sonia provides diverse and well-rounded industry knowledge to her clients. Having previously provided insurance solutions to real estate firms, retailers and resort complexes, Sonia has a keen understanding of her client’s client and the market pressures facing construction firms.
She is bilingual and is an active member of the Latin Builders’ Association as well as the Association of General Contractors and Builders’ Association of South Florida. She holds professional designations as an Accredited Advisor in Insurance (AAI) and Associate in Risk Management (ARM), in addition to an Associate Degree in Business Management from Miami Dade College.
In her spare time, Sonia enjoys traveling, exercising and cooking.
For nearly 20 years, Lourdes has been a Commercial Lines Account Manager for Collinsworth, Alter, Fowler & French. She serves as a primary contact between clients and insurance carriers and manages the daily activity on a variety of accounts. Her vast experience allows her to apply her knowledge of insurance policies and procedures to provide proper and effective service and sound advice to CAFF’s clients.
Lourdes’ illustrious insurance career began working for Travelers. While there, she became extremely interested and passionate about the industry and went on to earn a Bachelor’s degree in Business Administration with a minor in insurance from FIU. She has experience working on both the carrier as well as the agency side of the business and has been a Personal Lines & Commercial CSR, Account Manager, Account Executive, and Licensed 220 Agent. She has proudly earned her CIC professional designation. Prior to joining CAFF, Lourdes worked with Hardeman Insurance Agency, Oswald Trippe& Co., and Seitlin where she gained valuable industry expertise.
Lourdes was raised in Miami and continues to reside there with her husband where they both enjoy the South Florida lifestyle. Her greatest pleasure is spending quality time with her two children and three grandchildren whenever she has the opportunity to do so.
In Estela’s position as a Claims Administrator for Collinsworth, Alter, Fowler & French, she is responsible for a variety of tasks including processing new claims, coordinating with various departments to settle claims, maintaining records, and monitoring all personal and commercial lines claims for all clients, producers and management.
Her impressive experience spans more than 40 years in the insurance industry and throughout her career, she’s held a variety of positions. She began her insurance profession at Cigna and her background also includes working for Seitlin Insurance and Advanced Insurance Underwriters. She brings with her a wealth of knowledge and expertise to the CAFF team and clients.
Immediately following her high school graduation, Estela became immersed in the world of insurance. She took a crash course and quickly obtained her 4-40 CSR License and to date, she maintains the designation License 2-20. Estela was born and raised in Miami and currently resides in Hialeah with her husband. Her greatest pride is her twin adult daughters, both of whom are pursuing careers in the medical field. In her free time, she loves spending quality time with her family, traveling, reading, and her favorite pastime, enjoying watching old westerns.
With over 11 years of industry experience, Sandy is often one of the first people you’ll talk to when you call CAFF. She takes great care of her clients and works diligently to ensure that her customer’s questions are answered and their needs are taken care of promptly. Prior to joining Collinsworth Alter, Fowler & French, Sandy worked as a Paralegal. During that time, her experience preparing legal documents and assisting clients provided her with a keen understanding of those documents and helped to hone the skills she uses on a daily basis at CAFF. She possesses a strong work ethic, is extremely detail-oriented
and is quick to follow-up with her clients to ensure they are 100% satisfied with their insurance plan.
Sandy loves horses and dogs so naturally, as a horse owner, she calls Davie her home. Along with horseback riding, she enjoys life on the water – both swimming and skiing.
With nearly 40 years in the insurance industry, Michelle has held almost every position in the industry starting as a receptionist but quickly working her way up the corporate ladder. She’s worked on the service side as a Personal Lines Account Manager and a Personal Lines Manager. She eventually turned her sights on to the commercial side of the business, becoming a Commercial Lines Account Manager, then switched to Sales as a producer. Later went into
Marketing and is currently the Commercial Lines Manager. With more than 10 years as part of the Collinsworth, Alter, Fowler & French team, Michelle has instilled her vast industry knowledge and experience with the rest of the CAFF support staff.
Because of her understanding of the inner workings of how agencies operate, she was asked to contribute to an article for IA (Independent Agents) on “Surviving the Agency Management System Switch.“ Her experience with helping CAFF migrate multiple offices and converting their different operating systems into one, she was instrumental to the crux of the article. “As a manager in the agency, I actually worked the workflow and I created cheat sheets in Epic for every workflow in the organization,” Somberg says. “I had an open-door policy and literally at one point had six people standing outside my office. I felt like I was at Publix: ‘I’m now serving customer number 101’, but that’s OK”. She has also earned a CRIS (Construction, Risk Insurance Specialist) designation and is 220 Licensed.
Michelle is very passionate about her career, but in her spare time, she enjoys vacationing in North Carolina.
In her role as an Account Representative at Collinsworth, Alter, Fowler & French, Shelia is primarily responsible for providing direct support to CAFF clients and agents to help establish and meet client’s needs. Her duties include, but are not limited to, developing leads, scheduling appointments, identifying customer needs, and marketing diverse products and services.
In her position, Sheila serves as a liaison between the clients and the agents providing prompt, accurate, and friendly customer service. This includes responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification, and so much more.
With more than 12 years of insurance industry experience, she is a seasoned professional with a breadth of knowledge and a solid reputation in the field. She is self-motivated as well as a team player and she knows the importance of establishing and building strong customer relationships.
Sheila was born and raised in Miami and continues to enjoy all that the South Florida lifestyle offers. Her two adult daughters are her greatest source of pride and she is extremely passionate about giving back to her community by being a mentor to young children. Her philosophy is living life to the fullest and she does this by always trying to maintain a positive attitude and imparting that to others.
As Collinsworth, Alter, & Fowler’s Senior Marketing Manager, Jannette’s primary responsibilitiesinclude overseeing insurance carrier relations, managing and executing business development, placement of new business and renewal accounts, and management of the marketing team.
Her impressive career spans more than 30 years in the insurance industry and with her sole focus on Commercial Lines Marketing, she has established her reputation as an expert in the field. She is a motivated, positive and driven leader with the ability to identify market trends and administer change.
Prior to joining CAFF, Jannette worked at HUB International (formerly MDW Insurance Group) and brings with her a wealth of knowledge and experience which she shares with the CAFF team. She obtained her 2-20 License and received a CIC (Certificated Insurance Counselor) designation more than 15 years ago.
