David Carothers CIC, CRM

David  has  fifteen  years of experience providing clients with creative solutions to more effectively manage their total cost of risk.
 
He  specializes  in  commercial   property and   casualty insurance placement for middle market companies of all types and has specific expertise in under-performing workers compensation programs.
 
He holds general lines insurance licenses in Florida, Georgia, Pennsylvania   and several other states. He also holds the Certified Insurance Counselor and Certified Risk Manager designations from The  National  Alliance  for  Insurance  Education and   Research   and   is   currently   pursuing  the Chartered Property and Casualty Underwriter designation from the Insurance Institute of America.
 
David's specific specialties include: Workers' Compensation Experience Modification Factor Analysis and Analytics and structuring and negotiating risk financing strutures for organizations of all sizes. David is often tapped to lead educational seminars and be an ad-hoc board member in various technology incubators/accelerators throughout the Southeast.
 
Prior to entering the insurance  industry,  David  held  various  general  management  positions  with profit and loss responsibilities for two  Fortune  500  companies.  His  over  twenty years  of profit  and loss management experience gives him a unique and refreshing perspective  when  helping  clients  reduce their total cost of risk.
 
David is the Principal of Florida Risk Partners, LLC. With over a hundred years of combined insurance  and risk management experience Florida Risk Partners is a unique firm that leverages technology and out of the box thinking to serve clients throughout the state of Florida. Because of our deep roots in client service and our ability to build mutually beneficial partnerships, Florida Risk Partners stands to be one of the fastest growing firms in the Southeast over the next several years.
 
Prior to creating Florida Risk Partners, David was a founding member of Praxiom Risk Management, LLC based in Lithia, FL.
 
Prior to joining Praxiom, David  was an Enterprise Sales Advisor for a multi-million dollar commercial risk management agency where he was repeatedly recognized for exemplary  achievement.
 
David holds Bachelors of Science Degrees in Management and Marketing from Birmingham-Southern College and has done post-graduate work in public and private management