About Us

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Program Experts

The Blue River Underwriters team is passionate about specialty programs and delivering them better than anyone else. This focus leads to trusted agent partnerships and increased carrier collaboration to ultimately drive greater success. As part of Breckenridge Insurance Group, a specialty risk solutions and services provider, Blue River Underwriters continues to build world-class programs and coveted carrier partnerships worldwide.

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Team Depth

Our team of program administrators, underwriters and support team members know the insureds’ industries they serve and bring a welcome perspective to their agents. The leaders of our programs have serious tenure and when coupled with the enthusiasm among all, it’s a refreshing differentiator. Our professional team welcomes the interest of new and established agents alike. For more information on getting appointed with Blue River Underwriters, please contact us.

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Partnership Approach

We’re here to help agents access great insurance program options in an efficient and productive manner. We want to be your ‘go-to’ risk resource now and into the future. With an intense focus on responsive client service, Blue River Underwriters is quickly becoming an invaluable partner to many. Give us a chance at your next risk and let us earn your business… or let us refer you to someone who can. In fact, our companywide values are founded on the desire to take what we do to new HEIGHTS. We look forward to realizing this vision together and partnering with you.

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Diversity & Inclusion

At Blue River Underwriters, we appreciate the differences and perspectives of a diverse team. As part of Breckenridge Insurance Group, our company culture embraces inclusivity and opportunity for all who join us. Breckenridge was founded by a trailblazing female insurance executive and entrepreneur, CEO Tracey Carragher. She has set forth a clear vision for the organization by creating a dynamic workplace that welcomes all. We’re fully invested in this strategically and as a moral imperative and we will continue to invest time, talent and resources to GO FURTHER … TOGETHER. See our group website to learn more.

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Recently Written

Franchised Auto Dealer State: CA
Coverage: Workers' Compensation Limits: Statutory Premium: $209,303

Smoke & Vape Shop State: TX Coverage: Package Limits: Various Deductible: $1,000 Premium: $5,700

Lakefront Resort State: ME Coverage: GL, Property & IM Limits: $1MM/$2MM Deductible: $1,000 Premium: $7,209

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Our Leadership

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Tracey A. Carragher
Chief Executive Officer 
Breckenridge Insurance Group


855-728-8822

Tracey A. Carragher
Chief Executive Officer
Breckenridge Insurance Group 

Tracey sets a powerful vision for constant service improvement in every aspect of the business of insurance distribution. If there is an opportunity to enhance the experience and outcome for a client, she will inspire, motivate and encourage her team to find it, elevate it and set it forward. Her role as CEO and founder of Breckenridge Insurance Group is to make sure the organization continues to realize new opportunities by innovating and delivering smart, achievable solutions.

Tracey’s exceptional career began at General Re and McKinsey, and she went on to hold top jobs at Frank B. Hall and Alexander & Alexander before she became part of the senior management team reporting to the president at Aon. Tracey was involved heavily in steering strategic decisions of Aon’s E&S businesses spanning multiple wholesale, MGU, alternative risk and consulting practices globally. When Aon sold its investment in Cambridge Integrated Services Group, Tracey agreed to stay as CEO, transforming the company into the largest third-party administrator in the country. With her experience across the entire insurance transaction chain, she identified the need for a better, more efficient, customer-centric operation and the idea for Breckenridge emerged. The company fully launched in 2009 with a carefully selected team of coveted industry leaders, investors and an acquisition.

In recognition of her many accomplishments – particularly as a champion of diversity in the industry having funded research on this topic—Tracey was named the 2015 Insurance Woman of the Year by the Association of Professional Insurance Women. She is a 2017 Insurance Business America Hot 100 honoree and recently presented at the Insurance Business America Women’s Summit in Chicago on Breaking the Glass Ceiling. She has also presented at numerous conferences, been quoted as an industry expert, and has mentored several professionals. Her generous support of many non-profits, including the Station Foundation for veterans and several children’s organizations and pet rescue services, benefit the greater community.

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Stephen J. Kelley
President
Blue River Underwriters


312-521-8966

Stephen J. Kelley
President
Blue River Underwriters

Steve has built his impressive 30-year insurance career in the commercial underwriting space. Steve most recently was with SeaBright Insurance Company, leading nationwide business development field operations. Previously, he was at Aon Corporation as President of Muirfield Underwriters with premium writings exceeding $1 billion under his tenure. Additionally, he has held key management positions at AmTrust North America and Casualty Insurance Company. Steve oversees Blue River underwriting programs and facilities with a focus on divisional growth, program quality, and partner value. He also is charged with product enhancement and the development of new programs. Steve enjoys spending time with his wife Cathy and five children and playing golf. He is also very passionate supporter and past President of the Board of Directors of The Cancer Support Center, a non-profit in the Chicago area.

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Chris Mitchell
Chief Technology Officer
Breckenridge Insurance Group


678-631-5961

Chris Mitchell
Chief Technology Officer
Breckenridge Insurance Group 

As head of technology for Breckenridge Insurance Group, Chris is charged with all technology oversight including infrastructure, systems, proprietary products and support. He works closely with the heads of varied companies, internal department heads, external vendors and international carrier partners to implement strategic company priorities. Chris has more than 17 years of insurance technology experience. Most recently he was chief information officer of Swett & Crawford and prior to that he was a senior vice president of information technology at Aon Services Group where he served in variety of IT roles with subsidiaries of St. Paul Fire and Marine’s facultative and treaty units. When not guiding the technology team, Chris enjoys spending time with his wife of 31 years and his daughter, who recently began her legal career in Atlanta. They are active in their church and local community groups.

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Joseph P. Filardo
SVP, Property & Casualty
Breckenridge Insurance Group


917-882-3287

Joseph Filardo
SVP, Property & Casualty
Breckenridge Insurance Group 

Joe is an experienced insurance professional who provides strategic guidance in business development both on the carrier and client side. His vast knowledge of the program insurance business and expert analytic skills coupled with his marketing and sales background allow him to look at opportunities for both their risk soundness and growth potential. Having been a founding partner in Breckenridge in 2009 and starting our  Blue River Underwriters division in 2010, he returned in 2018 as a valued leader and driver familiar with our distribution appetite. Prior to Breckenridge, Joe founded a risk management consultancy, was President of Pacific Wholesale Brokers, CEO of Aon Specialty Re and a Production and Marketing Director at Cooper Gay. Joe has an interesting combination of degrees from Fordham University – that of BS in mathematics and philosophy. He currently resides in Portland, Oregon and enjoys reading, working out and is an avid baseball fan.

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