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About Neptune Flood Insurance

In 2016, Neptune Flood Insurance was created by merging technology, math algorithms, and insurance expertise into an innovative flood insurance product.  The result was affordable coverage for thousands of Americans – delivered in an effortless, intuitive and on-demand platform. It’s backed by some of the largest insurance markets in the world.

Life is short.  Get a quote, buy a policy and go live life waterproofed

No one ever tells a story about an amazing experience they had buying insurance, so we decided to at least make it fast and painless.  Based on our own time wasted, oops I meant spent, online shopping and buying insurance, we built a company focused on saving you time and money.  Using the latest technology, we’ve made it fast and painless – for an insurance buying experience that is unmatched.  But see for yourself, let us know what you like and what we can do better.

Financial Strength Up The Wazoo

Neptune Flood Insurance is backed by one of the largest insurance markets in the world.  A major player in the U.S. for over a century, with 41% of their global premiums held by U.S. customers.  Rated “A” (Excellent) by A.M. Best with an issuer credit rating of A+.

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Team Neptune: Leadership for the 21st century. And beyond.

The leadership team at Neptune Flood Insurance has deep backgrounds and experience in technology, risk management, predictive analytics and insurance

Jim Albert: Founder, CEO and Member of the Board of Directors

Jim co-founded Neptune in 2016 to change the way America buys flood insurance, using data analytics and extreme ease of use to make a critical insurance product more accessible to the market. Before Neptune, as Chief Information Officer of Bankers Insurance, Jim led the technology and data analytics team at this Florida-based insurer. He also managed and upgraded the technical platform, supporting the WYO flood product via the NFIP as well as a proof-of-concept private flood program. Before Bankers, Jim held roles as President of the national technology consulting firm Idea Integration, Managing Director of five brands in the UK and Europe, and many leadership roles with AT&T and Bell Labs.

Jim earned an electrical engineering degree at Vanderbilt University, and additional management, leadership, and financial education at Cornell University, Wharton, and Insead.

Stephanie Lee: CRO and Member of the Board of Directors

Stephanie joined Neptune Flood in August 2016 as Chief Revenue Officer and is the primary architect of the Neptune distribution network.  She partnered with Jim Albert, CEO, to build the business model and strategy, taking Neptune from pre-market startup to the current state of established, rapidly growing innovator in the national private flood market.  Stephanie is an entrepreneurial, intellectually-agile insurance executive with over 22 years of accomplishments in market entry, distribution, product positioning, sales, strategic partnerships, relationship marketing, process optimization, customer experience, branding and strategy execution for startup to Fortune 50 insurance companies.

Prior to Neptune, she was founder and CEO of Limitless, a strategy consulting firm for established and startup insurance companies.  From 2008 to 2015, she was President and COO of Prepared Insurance, a Florida domestic insurer.  She built her insurance expertise in sales, distribution, marketing and operations beginning at AIG Europe, a global market leader.  Stephanie is a strategic, innovative and versatile leader, well known for being a strong business partner who builds scalable revenue engines into the foundation of companies.  Stephanie holds a B.S. in Business and lives in Tampa with her husband and 4 children.

Brad Schulz: CTO

Brad provided advisory and consulting services to Neptune during the 2016 inception and joined the company full-time in 2018 to focus on making insurance fun, easy, and accessible for both customers and agents alike. Before Neptune, as the CTO of Unirisx, Brad provided rapid product development and direct-to-consumer implementations for diverse insurance customers such as Starr Holdings, AXIS Accident & Health, Ironshore Small Business, Beazley & Roojai.com. Prior to Unirisx, Brad led the security, development, and infrastructure teams for Bankers Financial Corp – a regional carrier in Florida – where he modernized the technology team and platform along with developing a pilot private flood product.  Before Bankers, Brad held various leadership and management positions with Catalina Marketing Corporation – one of the world’s largest and most successful behavior based marketing firms.

Brad is a published author & inventor, studied electrical engineering at the University of Louisville, and was the founder of several startups in the long-distance and technology industries.

Jim Steiner, CFA, PRM, CRCM: Chief Risk Officer

Jim joined Neptune in July 2018 as its Chief Risk Officer and provides oversight to the company’s enterprise-wide risk management, regulatory compliance, and statistical analytics strategies to effectively translate the company’s risk appetite into decision-making practices that support Neptune’s innovative business model. Prior to joining the Neptune team, Jim was the Director of Risk Strategy and Innovation at Bank OZK, a $22Bn bank based in Little Rock, AR with 250 offices nationwide. Jim also served as the EVP Chief Risk Officer of C1 Bank, where he administered the bank’s corporate governance, risk management, anti-money laundering and consumer compliance programs.

Jim earned a Master of Science in Risk Management degree from New York University’s Stern School of Business in 2017 and a Master of Public Policy from Georgetown University in 2012. Following his graduation from George Washington University with a Bachelor of Business Administration in Finance degree in 2003, Jim spent eight years working in private wealth management at Morgan Stanley

Trevor Burgess: Chairman of the Board of Directors

Trevor is the Chairman of TRB Development, a diversified residential real estate development and consulting company.  Trevor is the former President & CEO of C1 Bank and its bank holding company, C1 Financial (NYSE: BNK). C1 Bank was a $1.7Bn bank focused on the needs of entrepreneurs with headquarters in St. Petersburg, Florida and had 31 offices throughout Florida. Trevor was named the 2014 American Banker Community Banker of the Year and was recognized as the 2013 Ernst & Young Florida Entrepreneur of the Year in the financial services category. In 2014 SNL named C1 Bank the 6th fastest growing bank in the country over the prior five years. Mr. Burgess served as a director of C1 Bank since acquiring control of C1 Bank’s predecessor bank on December 3, 2009. C1 Bank was acquired by Bank of the Ozarks in July 2016 generating a 47% return for its IPO investors in less than 24 months.

Mr. Burgess is a prolific financial-technology inventor with four patents awarded and seven more under application.  Mr. Burgess served as a Managing Director of Morgan Stanley, where he executed initial public offerings and other capital raising transactions as an investment banker in the Equity Capital Markets Division. During his nearly ten years at Morgan Stanley (1998 – 2008) he executed over 100 transactions raising over $50 billion for his clients.  After graduating from Dartmouth College in 1994 Mr. Burgess was a Consultant at Michael Porter’s Monitor Company in Cambridge, Massachusetts.

Jon Carlon: Member of the Board of Directors

Jonathan Carlon is currently the President of TRB Development.  TRB Development focuses on the acquisition and improvement of residential land along Florida’s gulf coast and has more than 200 home sites currently under construction.  Previously, Jonathan served as Vice President and Chief of Staff for C1 Bank where he oversaw Investor Relations at the bank.  During his tenure Jonathan was involved in the IPO of the bank’s holding company, C1 Financial, on the NYSE, as well as the acquisition of C1 Financial by Bank of the Ozarks in July of 2016.

Jonathan received his MBA from The University of Tampa in 2013.