About Vault Insurance
MissionVault offers high-net-worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters most – cherished moments, family memories, and priceless legacies.
VisionWe drive industry change by solving problems with custom insurance solutions and technology to create an exceptional customer experience, improving underwriting and sustaining profitable growth.
We aim to create an exceptional experience at every touchpoint, going above and beyond expectations. We prioritize efficient, thoughtful solutions to meet the needs of our customers.
We believe our unique business model, tailored to affluent individuals and families, enables us to respond to market conditions and drive industry change by solving problems with new, creative solutions and technology.
We commit to creating personal relationships at every level, from customer to broker, from employee to leadership.
We know our employees are the heart of our business, and when we work together, we grow stronger as a company. We value our team and support their long-term success.
Executive Chairman & Chief Executive Officer
Scott was previously President of Strategy & Distribution for the Fairfax Insurance entities, and Chairman and CEO of Allied World, as well as various management roles at AIG, managing their investments from Bermuda.
President & Chief Finance Officer
Paul was formerly CFO of Tower Hill Insurance Group, one of the largest P&C companies in the state of Florida, and CFO of Crum & Foster, a large national P&C insurer that is part of the Fairfax Financial Holdings Group.
EVP & Head of Insurance
Stephen has held executive positions at TRUE, Tower Hill Insurance Group, and American Modern Insurance Group. His expertise is in building profitable growth strategies, product development, and over-all risk management. Stephen is also an accredited actuary.
Chief Operating Officer
Jessica was previously a commercial account executive for a national wholesale broker, with extensive expertise in Property & Casualty underwriting, team growth, and managerial skills. Since joining Vault, she has led customer experience and founded the Vault Training department.
Chief Information Officer
Christopher most recently spent 13 years at Prudential, within their insurance & asset management organizations. A 25-year technology veteran, Christopher has held technology leadership roles in tech start-ups, consulting & advisory organizations, and in insurance, transforming and modernizing technology capabilities.
Chief Claims Officer
Cheri was an active advisor for CodeX, the Stanford Center for Legal Informatics, and Bold Penguin, Inc., working on the AI and Machine Learning products and ethical insurance and legal tech solutions. At EMC Insurance, she spearheaded the creation of a Claims Legal Team to build consistency in claims handling and coverage analysis nationwide.
President of Commercial Lines
Prior to joining Vault, Reza served as CEO of Ryan Specialty Group MGUs with a focus on financial lines (Cyber, D&O, and E&O). Before RSG, he led Allied World’s Programs division, and held executive underwriting, distribution, and marketing positions at several U.S. MGUs and insurers.
Our Executive Chairman and CEO, Scott Carmilani, saw a gap in the insurance space. As an accomplished insurance industry veteran, he noticed high-net-worth homes were not being delivered a luxury product tailored to their specific needs. He pulled together some of the best in the industry to bring the idea to life.
Vault began in 2017 with 9 employees who worked together in the close quarters of an Airbnb residence in St. Petersburg, FL. Driven by the vision that insurance does not have to be difficult to understand with black-and-white coverage, they began to shape our core values and mission: to Protect What Matters Most, our customers’ homes, memories, and legacies. Providing superior coverage that starts with a blank canvas and is crafted with expertise.
By 2018, only one year later, Vault had grown so much we expanded to a full office in downtown St. Pete, which remains the Vault headquarters today.
Now, Vault has become one of the top insurers for excess and surplus insurance in the US. Our company has expanded to 3 offices, New York City, NY, West Palm Beach, FL, and St. Petersburg, FL, and added a Commercial Lines division.
Learn what sets Vault apart and why our partners and customers choose us: