Welcome to ShoreOne

​It's better on the shore.​
  • Single policy for home and flood
  • Family-friendly way of doing business
  • Independent agents experienced in coastal properties
  • Claims paid quickly and fully
  • Responsible homeowners

Our Goal: Make insuring a coastal property simple, affordable, & efficient.

The old way

Homeowners who wanted to insure a coastal property had to piece together multiple policies to meet their needs. They often ended up with inadequate flood coverage, multiple deductibles, and frustrating claim experiences.

Why wasn't there a better way?

That's what we wondered too. With advancements in technology, expert agents, and responsible proactive homeowners, it should be possible to provide a single policy that combines home and full flood coverage.

The ShoreOne way

In 2019, a small team of insurance professionals got together to solve this frustrating problem. We developed an all-inclusive coastal insurance policy, built a technology platform for quick accurate quotes, and secured deep financial backing.

Meet our team

Nick 6.png

Nick Steffey
Chairman & CEO

Nick has over 35 years of experience in the property casualty insurance industry. He started Liberty International Holdings, Inc., was CEO of GIO Australia and worked with CIGNA and Chubb in various executive capacities. In 2006, he founded Narragansett Bay Insurance Company (NBIC) to solve the insurance gap for over 200,000 Northeastern coastal home owners. Still, more than anything, he loves helping coastal homeowners feel safe and protected. 


Cameron Rhodes
President & COO

Cameron previously worked for Narragansett Bay Insurance Company (NBIC). He's actively involved in the emerging flood insurance sector, including the development of the first of its kind flood-endorsed coastal homeowners' policy. Cameron has also worked for Liberty Mutual and Albert Risk. He's a can-do guy with a positive attitude and real concern for solving homeowners' insurance challenges.


Zachary Smith

VP of Risk Management

Zach is a Certified Catastrophe Modeler and ARe™ credentialed, with 9 years of experience focused on managing coastal risk. While at Narragansett Bay Insurance Company (NBIC), he worked as the senior risk analyst and has extensive experience with both AIR and RMS. Need catastrophe, stochastic, or capital modeling and reinsurance analytics? Zach's your guy.

Sat 1.png

Satvinder Dhami

VP of Administration

Satvinder brings to the team 30+ years of senior executive, results-oriented experience in administration, project management, budget coordination, organizational development and office management. Previously she provided support to the executive team at Narragansett Bay Insurance Company (NBIC). Basically, she makes sure everything that needs to get done gets done.


Ben Hoover

Chief Marketing Officer

With an extensive family history in the insurance industry, Ben has spent his career assisting MGAs pair their insurance products with retail P&C agents along the Atlantic Seaboard.  Prior to joining ShoreOne, Hoover was the Regional Marketing Manager for Arthur J. Gallagher & Co.’s Risk Placement Services (RPS) for all product lines. He has also brokered and underwritten both admitted and E&S products for several East Coast MGAs.  When he's not golfing, Ben hones his sales skills by tediously negotiating with his kids, often arbitrated by his wife.