Who We Are

Innovative Program Solutions (IPS) is a Program Administrator (MGA) that designs specialized insurance programs across various industries with the objective of driving down total cost of risk while delivering target expense and loss ratios with custom solutions. Businesses, brokers, and carriers all face challenges finding compelling insurance pricing, product, and service combinations, particularly in specialty industries that may be underserved and misunderstood by the traditional insurance marketplace. IPS bridges this gap by leveraging deep industry expertise, data-driven insights, and tailored solutions to create sustainable and profitable insurance programs.

Meet the IPS Team

Meet the team of Program professionals that collaborate with experts in all industries to understand the nuances and unique risks faced by specific classes and lines of business to provide the solution companies need.

  • Tim Anders
    Tim Anders
    President/Shareholder
    Tim Anders
    President/Shareholder
    For over 35 years, Tim has spent time in roles centered around insurance underwriting and operations, with most of that time spent being devoted to Programs business. As an industry veteran and expert in programs, Tim understands that sustainable growth and partnership can only be achieved when a “win” result is created for all stakeholders. Tim is responsible for formalizing existing programs and generating new opportunities for IPS.
    Education/Work History Highlights
    • Bluefield University, Bachelor’s in English & History / Virginia Tech, Master of Business Administration
    • Certified Chartered Property and Casualty Underwriter (CPCU)
  • Kyle Coughlin
    Kyle Coughlin
    Vice President
    Kyle Coughlin
    Vice President
    Kyle is a seasoned insurance professional with over 25 years of industry experience. Specializing in program development for both homogenous Programs and varied lines of business, he plays a key role in managing, growing, and profitably underwriting program business on behalf of our carrier partners. His expertise spans transportation, construction, and agribusiness, as well as the development and management of program business.
    Education/Work History Highlights
    • Briar Cliff University, Bachelor’s in Business Administration
    • Certified Chartered Property and Casualty Underwriter (CPCU)
  • Justin Scharf
    Justin Scharf
    Associate Vice President
    Justin Scharf
    Associate Vice President
    Justin is no stranger to the industry, coming to IPS with over a decade of experience after working for major insurance carriers. He plays a key role in strategic planning to drive program growth and profitability, while focusing on building and strengthening relationships with both carrier and agency partners to support the development of new programs.
    Education/Work History Highlights
    • University of Iowa, Bachelor’s in Finance and Management
    • Chartered Property and Casualty Underwriter (CPCU), Associate in Risk Management (ARM), and Construction Risk and Insurance Specialist (CRIS)
  • Joe Wegelin
    Joe Wegelin
    Program Underwriting Director
    Joe Wegelin
    Program Underwriting Director
    Joe leads efforts in risk evaluation, quoting, pricing, and underwriting compliance, playing a key role in shaping strategies that support program growth. With extensive experience in commercial underwriting, field operations, and frontline selling, he brings a well-rounded perspective to IPS clients that helps drive strong program performance and profitability.
    Education/Work History Highlights
    • Iowa State University, Bachelor’s in Finance
    • Chartered Property and Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Commercial Underwriting (AU), Accredited Adviser in Insurance (AAI), Associate in Insurance (AINS), Construction Risk and Insurance Specialist (CRIS), and Management Liability Insurance Specialist (MLIS)
  • Helen Waymire
    Helen Waymire
    Commercial Programs Underwriter
    Helen Waymire
    Commercial Programs Underwriter
    Helen is an Associate Underwriter specializing in risk analysis, policy issuance, and coverage evaluation. With an eye for process improvement, she is passionate about leveraging technology to streamline workflows and enhance efficiency. Helen thrives in collaborative environments, working across teams to optimize underwriting systems and drive program business success.
    Education/Work History Highlights
    • University of South Dakota, Bachelor’s in Sports Management & Master of Business Administration
    • Designated Commercial Lines Coverage Specialist (CLCS)
  • Bailey Lamm
    Bailey Lamm
    Associate Underwriter
    Bailey Lamm
    Associate Underwriter
    Bailey comes to the team with a background in Business Development and plays a vital role in supporting the underwriting process. She assists with new business and renewal reviews, account servicing, and develops initial pricing, coverage structure, and preliminary risk quotations. With a keen attention to detail, she also pre-underwrites accounts, evaluates risk, and ensures underwriting packages are complete for final review.
    Education/Work History Highlights
    • University of Iowa, Bachelor’s in Finance, Business Analytics, and Information Systems
    • Certificate in Risk Management and Insurance
  • Baylor O'Neill
    Baylor O’Neill
    Associate Underwriter
    Baylor O’Neill
    Associate Underwriter
    Baylor is eager to bring her strong mathematical skills into the underwriting industry, supported by a foundational understanding of insurance principles. She has experience assisting with account setup and closing accounts, and she is committed to continuing to develop her ability to service accounts effectively. As she grows in this field, she aims to contribute to initial pricing efforts while carefully assessing risk and making informed underwriting decisions.
    Education/Work History Highlights
    • University of Iowa, Bachelors in Mathematics
    • Certificate in Risk Management and Insurance

Builder’s Risk Team

  • Michael Reich
    Michael Reich
    Managing Director, Builders’ Risk, Insight Risk
    Michael Reich
    Managing Director, Builders’ Risk, Insight Risk
    Michael Reich is the Managing Director of Builders Risk at Insight Risk Technologies, an IPS company, where he leads the firm’s Builders Risk practice and the development of delegated authority programs. As Insight’s first employee in 2019, he has played a key role in building and expanding the company’s Builders Risk platform through underwriting innovation, technology-driven solutions, and strategic growth initiatives.

    With more than 20 years of insurance industry experience, including over 15 years focused on Builders Risk, Michael leads a national team dedicated to delivering specialized construction insurance solutions. Under his leadership, Insight has developed a Builders Risk MGA with more than $200 million in quoting capacity, proprietary coverage enhancements, and risk management technology offerings designed to improve client outcomes.

    Prior to joining Insight, Michael managed a nationwide Builders Risk portfolio at Berkshire Hathaway Specialty Insurance and previously led the Northeast region of Hiscox’s construction property group. He remains active in the industry through the Inland Marine Underwriters Association (IMUA), where he formerly served as Chair of the Construction Committee, and has contributed articles to IRMI while presenting on construction risk topics at numerous industry events.
    Education/Work History Highlights
    • Lehigh University, B.S. in Finance and Marketing, M.A. in Mathematics and Education
    • Chartered Property Casualty Underwriter (CPCU), Associate in Surplus Lines Insurance (ASLI), Registered Professional Liability Underwriter (RPLU)
  • Victor Nieznalski
    Victor Nieznalski
    Vice President, Builders’ Risk, Insight Risk
    Victor Nieznalski
    Vice President, Builders’ Risk, Insight Risk
    Victor joined Insight Risk with over a decade of commercial insurance experience, having primarily concentrated on underwriting complex, technical North American construction property placements for international carriers such as AXA XL and Berkshire Hathaway Specialty Insurance.
    Education/Work History Highlights
    • University of Toronto, Bachelor of Commerce, Finance Specialist and Economics
    • IIC Chartered Insurance Professional (CIP), RIMS Canadian Risk Management (CRM), and IRMI Construction Risk and Insurance Specialist (CRIS)
  • Alyssa Landy
    Alyssa Landy
    Assistant Vice President, Builders’ Risk, Insight Risk
    Alyssa Landy
    Assistant Vice President, Builders’ Risk, Insight Risk
    Alyssa joined Insight Risk with nearly a decade of Builder’s Risk underwriting experience, having worked with leading carriers including Chubb and Zurich North America. Throughout her career, she has written policies for some of the largest names in construction and is recognized for her strong sales acumen, customer service, and time management skills. Based in the greater New York City area, she expands Insight Risk’s growing East Coast presence.
    Education/Work History Highlights
    • New Jersey City University, B.S. in History
    • Alyssa is a current member of the Inland Marine Underwriting Association.