About TRIOS

Rethinking the Specialty Experience

Specialty should not feel disconnected from the relationships at the center of insurance. But too often, it does — slowed by fragmented processes, inconsistent responsiveness, and legacy intermediary structures that have not evolved with the SME market demands.

TRIOS was built in response to that reality. We believe the future of specialty requires a more integrated model — one that brings expertise, technology, and execution closer to the collective core relationships between insureds, retail brokers, and underwriters.

Not innovation for its own sake, and not another detached layer in the chain. A better specialty model built to create stronger alignment, better outcomes, and more value across the collective.

What TRIOS Is

A new model for a familiar problem

TRIOS operates in the space between traditional brokerage structures and one-size-fits-all specialty models. By bringing together expertise, technology, and execution in a more integrated way, TRIOS is designed to create a more connected, more resilient, and more effective specialty experience.

THE Identity

What does TRIOS mean?

“TRI” properly prioritizes the three core insurance partners; the insured, the retail broker, and the underwriter.

“OS” represents the Operating System behind the model: the strategic integration between proprietary technology, process, and expertise.

Leadership

Deep market experience meets modern operating vision

Ryan Apgar

CEO

Mike Mahoney

Director of Brokerage

Ashley Legault

Director of Programs

Gena DeBartolo

Chief of Staff

Our Values

What drives us

How we think. How we build. How we partner.

Relationship First

We believe specialty works best when it strengthens the core insurance relationship rather than sitting outside of it. Our role is to support stronger alignment between insureds, brokers, and underwriters—not compete with the relationships that matter most.

Responsiveness Matters

We believe speed, clarity, and accountability are essential to a better specialty experience. The people at the center of the relationship should feel momentum, visibility, and confidence—not delay, ambiguity, or guesswork.

Expertise Stays Close

We believe better outcomes come when knowledgeable people stay close to the work. Specialty expertise should remain connected to the relationship, the market, and the realities shaping the opportunity.

Innovation Applied with Purpose

We believe technology only matters when it improves the experience in meaningful ways. That means applying proprietary tools and systems to reduce friction, improve coordination, and support smarter execution across the specialty relationship.

Better Systems Create Better Outcomes

We believe stronger incentives, better workflow, and more intentional infrastructure lead to better outcomes. When the model is built with greater structure, alignment, and discipline, the result is a more resilient advantage for the people it serves.

Let’s change the game

Schedule a call with our leadership team

We stand by our team’s expertise.

Let us show you a refreshed way to specialty placement.

CONTACT INFO

CALL US
+1 800-577-8144

EMAIL US
[email protected]

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