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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 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.

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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.


Russ Carlson
Chief Financial Officer

Russ is a Certified Public Accountant with over 25 years of experience in financial leadership primarily focused within the property & casualty insurance industry. Russ also spent 10 years in the audit practices of both KPMG and Ernst & Young and is a University of Connecticut graduate.  He enjoys solving complex business problems through the application of data and finds happiness in helping his colleagues and business partners.  In his spare time, he enjoys running, tennis, cooking and playing his guitar.


Brad Burton
Senior VP, Operations

Brad has over 25 years of property and casualty industry experience, and brings proven business scaling expertise, and a strong command of catastrophe management principles and oversight of underwriting and technology teams. Before joining ShoreOne, Brad was Vice President, Underwriting and Sales at Olympus Insurance Company. He also served in the United States Army and the Tennessee Army National Guard. As a helicopter pilot, Brad was awarded the Air Medal and Army Commendation Medal for his 1991-92 Gulf War service. 


Brendan Voss
Chief Claims Officer

Brendan Voss, with over 25 years' claims expertise 

manages strategic and operational aspects, leveraging technology for seamless claims processing and enhancing customer experience. Adept in catastrophe management, Brendan ensures ShoreOne's readiness for extreme weather events, supporting agents and customers. Previously Chief Claims Officer at Narragansett Bay Insurance Company and VP, Claims at Homesite Insurance, he holds a bachelor's degree from the University of Maryland.


Alicia Deane
Executive Administrative Assistant

Alicia has an extensive background spanning two decades in managerial administration, most recently in the legal field. She excels in handling meticulous scheduling to intricate organizational tasks and thriving in fast-paced, deadline-driven environments. During her leisure hours, Alicia finds joy in exploring new destinations through travel and dedicating her time to volunteer work at local charities.


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, Ben 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. 


Peter Hutchinson
Territory Manager

With over 30 years of experience in the insurance industry, Peter (also known as Hutch) joins ShoreOne and assumes the role of driving sales growth and building solid relationships with clients. Formerly the Assistant Vice President and Territory Manager MA-RI at Narragansett Bay Insurance Company, Hutch is dedicated to imparting his clients with an in-depth comprehension of insurance. During his leisure time, Hutch indulges in swimming and cycling and completed the Ironman – Lake Placid NY in 2016.


Todd Fought
AVP New Jersey
Territory Manager

An experienced professional with over 30 years of underwriting and distribution expertise, Todd will collaborate closely with prominent agencies in the NJ coastal homeowners market. Previously, Todd served as AVP NJ Territory Manager at Narragansett Bay Insurance Company, where he successfully distributed product offerings to agency partners. Todd, a Rutgers University graduate, resides in Bridgewater and during his leisure time, he enjoys watching lacrosse games from the sideline and occasionally plays golf, despite losing a few balls.

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