Meet The Team

Meet The Team | Ascinsure

Steve Keinard, Assistant Vice President & Underwriting Manager

A seasoned underwriting professional with over 30 years experience, Mr. Keinard provides leadership, support, and guidance to Ascinsure’s underwriting team, ensuring the department’s efficiency and quality continues to meet company standards. As such, he ensures his department achieves goals and objectives vital to the organization’s success. Past experience includes Account Executive Officer positions at Travelers and Discover Re (a wholly owned subsidiary of Travelers), as well as various senior level positions at Chubb & Sons and Aeta Casualty & Surety Company. Mr. Keinard received his B.S degree at Penn State University and holds CPCU, ARM, and ARe certifications.


GailGail Carl, Assistant Vice President – Underwriting

Gail has over 30 years of underwriting experience. A graduate of Marshall University, she has a BA in Finance with a minor in insurance. She earned her CPCU designation in 1987, and continued her education by obtaining her Associate in Loss Control Management (ALCM) in 1995. Gail began her career with USF&G as a Casualty Underwriter and assisted in a training program for new underwriters. She has also worked for Royal and Zurich, with her last place of employment prior to Ascinsure with Northbrook Insurance Company/St. Paul. Gail underwrites the accounts in the MGA operations, reviews other underwriter’s work product, as well as performing ongoing analysis of statistical data relating to Ascinsure’s programs overall profitability.


Steve McElhinny, Underwriting Assistant

A graduate of Robert Morris University, Mr. McElhinny has started his young career very promisingly. Prior to Ascinsure, Mr. McElhinny has gained valuable experience working for organizations such as State Farm Insurance and the Internal Revenue Service. Most recently, he served as an Associate Commercial Underwriter – Middle Markets for Zurich North America. At Zurich, his duties included negotiating policy coverage and premiums for Auto, Property, Worker’s Compensation and General Liability insurance, and analyzing and reviewing accounts to identify any significant and/or unusual risk exposures.

Pam Frank, Sr. Underwriting Assistant

Joined Allied’s underwriting staff in September, 2000 as an Assistant Underwriter. With almost 40 years of Commercial Insurance experience her expertise is broad in scope, incorporating many aspects of insurance company operations, including rating, underwriting, audit, accounting, claims, product management and reinsurance. She started her insurance career at American States Insurance Company were she worked for 18 years holding various positions from Rating Specialist to Commercial Lines Underwriter, cumulating in the position of Commercial Systems Specialist. As the Commercial Systems Specialist it was her responsibility to provide guidance and support to the underwriters to assure the effective and appropriate use of the company’s products, programs and rating procedures. With the restructure and relocation of American States, Pam worked for Zurich Insurance Company before joining Allied. Pam has her IIA designation and has completed 7 parts of CPCU.

Michaela Coons, Broker Service Specialist

At the heart of Ascinsure’s mission is helping our partner brokers and at the forefront of that priority is Michaela. Michaela works with our partner brokers to ensure they have everything they need in order to provide the highest of specialized service to their insureds.  Michaela is a graduate of Hartwick College where she played NCAA volleyball. She also enjoys painting in her spare time.