The Coastal Team

Sim Bridges
Education / Designations
  • Bachelor of Science in Business Administration/Risk Management, Georgia Southern University
  • Chartered Property Casualty Underwriter (CPCU)
  • Certified Programs Leader (CPL)
  • Associate in National Flood Insurance (ANFI)
  • General Lines Agent License

Sim Bridges

CPCU, CPL, ANFI
President & Chief Underwriting Officer

Sim Bridges is a valuable member of the Coastal Insurance team of commercial underwriters, having diversified knowledge of many classes of risks. Sim started his career at Zurich Insurance Services in 2005, and was promoted to Builders Risk underwriter and Commercial Package line underwriter. In 2008 he was hired by American Keystone Insurance Company to underwrite a $30 million book of residential condominium associations. Sim’s contribution to the Coastal team has also strengthened our agency relationships, as our agents have enjoyed working with Sim on the accounts from term to term.

  • sbridges@ciuins.com
  • (904) 395-5912
Education / Designations
  • Bachelor of Science in Business Administration/Risk Management, Georgia Southern University
  • Chartered Property Casualty Underwriter (CPCU)
  • Certified Programs Leader (CPL)
  • Associate in National Flood Insurance (ANFI)
  • General Lines Agent License
Kimberly Bushong Petrillo
Education / Designations
  • Master of Science in Insurance Managment (MSIM), Boston University
  • Bachelor of Science in Risk Management and Insurance, Florida State University
  • Bachelor of Science in Finance, Florida State University
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Commercial Underwriting (AU)
  • General Lines Agent License
  • Associate in Reinsurance (ARe)
  • Surplus Lines Agent License
  • Certified Programs Leader (CPL)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Surplus Lines Insurance (ASLI)
  • Associate in Commercial Underwriting- Management (AU-M)
  • Associate in Insurance Data Analytics (AIDA)

Kimberly Bushong Petrillo

MSIM, CPCU, ARe, CPL, ANFI, ASLI, AU-M, AIDA
President & Chief Operating Officer

Kim is a graduate of Florida State University and completed dual degrees in Finance and Risk Management & Insurance. She joined Coastal in 2012. Kim focuses on business development, sales and marketing, relationship building with carriers and retail agents, program implementation, and identifying business system enhancement opportunities. In 2017, Kim was named one of Insurance Business America's "Top 125 Elite Women of the Insurance Industry". Prior to working at Coastal, she was a Commercial Underwriter in training at Burns & Wilcox in Tampa, FL. She has a diversified knowledge of many commercial classes of risks.

  • kbushong@ciuins.com
  • (904) 834-4754
Education / Designations
  • Master of Science in Insurance Managment (MSIM), Boston University
  • Bachelor of Science in Risk Management and Insurance, Florida State University
  • Bachelor of Science in Finance, Florida State University
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Commercial Underwriting (AU)
  • General Lines Agent License
  • Associate in Reinsurance (ARe)
  • Surplus Lines Agent License
  • Certified Programs Leader (CPL)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Surplus Lines Insurance (ASLI)
  • Associate in Commercial Underwriting- Management (AU-M)
  • Associate in Insurance Data Analytics (AIDA)
Michele T. Ortiz
Education / Designations
  • Chartered Property Casualty Underwriter (CPCU)
  • Certified Insurance Counselor (CIC)
  • General Lines Agent License
  • Life and Health Agent’s License
  • Associate in Commercial Underwriting (AU)
  • Associate in Personal Insurance
  • Associate in National Flood Insurance (ANFI)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • The National Alliance- faculty member

Michele T. Ortiz

CPCU, CIC, AU-M, API, ANFI, AINS, AIS
Director of Underwriting/Personal

Michele is second generation insurance and actually started her career in the insurance industry when she was 18. She has worked in insurance agencies, a carrier and now a program manager which has provided her with a wholistic view of the industry, having seen it from all angles. Additionally, Michele has worked in both commercial lines as well as personal lines and has technical knowledge in both. Michele joined Coastal in 2013. Her key talents include a training prowess which proves very helpful to our agency force, as she can very easily and clearly communicate our products and use of our website tools. Michele is also an instructor for The National Alliance and teaches CISR courses.

  • mortiz@ciuins.com
  • (904) 834-4747
Education / Designations
  • Chartered Property Casualty Underwriter (CPCU)
  • Certified Insurance Counselor (CIC)
  • General Lines Agent License
  • Life and Health Agent’s License
  • Associate in Commercial Underwriting (AU)
  • Associate in Personal Insurance
  • Associate in National Flood Insurance (ANFI)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • The National Alliance- faculty member
Shannon Cini
Education / Designations
  • Bachelor of Business Administration-Marketing, Mississippi State University
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Personal Insurance (API)

Shannon Cini

CPCU, API
Personal Lines Program Manager

With 20+ years experience, Shannon brings a wealth of knowledge related to personal lines risk analysis, policy forms, and agency plan distribution strategy. With countrywide experience with personal lines products to include automobile, homeowners, tenant/condominium policies, scheduled property, umbrella and dwelling fire. Shannon is a unique asset to the Coastal team. She has found success by building long term agency relationships with key agency partners to promote sustained profitability, aid retention and maintain underwriting integrity. She is an expert in portfolio underwriting to identify and rehabilitate underperforming segments of business. Her strengths include decisive underwriting action, thorough understanding of policy coverage and prompt customer service.

  • scini@ciuins.com
  • 904-861-2890
Education / Designations
  • Bachelor of Business Administration-Marketing, Mississippi State University
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Personal Insurance (API)
Alison C. Strother
Education / Designations
  • Bachelor of Arts, Political Science- University of North Florida
  • Bachelor of Arts, History- University of North Florida
  • General Lines Agent License
  • Associate in Commercial Underwriting (AU)
  • Associate in General Insurance (AINS)
  • Associate in Risk Management (ARM)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Surplus Lines Insurance (ASLI)
  • Chartered Property Casualty Underwriter (CPCU)

Alison C. Strother

ARM, AU, AINS, ANFI, ASLI, CPCU
Commercial Underwriter

Alison Strother has over 22 years experience in the insurance industry, encompassing a variety of products and responsibilities. She has worked with a range of small to large premium accounts. Some of Alison’s strengths include risk analysis, agency relationship skills, multi-tasking, and quickly assimilating new products and coverages. We are very pleased to have Alison join our team, and add to our underwriting prowess.

  • astrother@ciuins.com
  • (904) 834-4753
Education / Designations
  • Bachelor of Arts, Political Science- University of North Florida
  • Bachelor of Arts, History- University of North Florida
  • General Lines Agent License
  • Associate in Commercial Underwriting (AU)
  • Associate in General Insurance (AINS)
  • Associate in Risk Management (ARM)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Surplus Lines Insurance (ASLI)
  • Chartered Property Casualty Underwriter (CPCU)
Nicholas A. Sanzotta
Education / Designations
  • Bachelor of Science In Business Administration, Kent State University
  • Associate in General Insurance (AINS)
  • General Lines Agent License
  • Associate in Insurance Services (AIS)
  • Associate in National Flood Insurance (ANFI)

Nicholas A. Sanzotta

AINS, AIS, ANFI
Commercial Underwriter

Nick has over 6 years experience working with commercial insurance as an underwriter. His background includes a variety of coverages from property, liability, inland marine, auto, umbrella, crime and professional. Nick also has experience collaborating with agents on renewals to help maintain retention for both the agent and the company.

Nick’s underwriting experience has proven to be a great asset to Coastal and we are pleased to have him on our team, helping to provide high quality resources for your agency needs.

  • nsanzotta@ciuins.com
  • (904) 395-5910
Education / Designations
  • Bachelor of Science In Business Administration, Kent State University
  • Associate in General Insurance (AINS)
  • General Lines Agent License
  • Associate in Insurance Services (AIS)
  • Associate in National Flood Insurance (ANFI)
John Cotton
Education / Designations
  • Bachelor of Science in Risk Management & Insurance, Florida State University
  • Certified Insurance Counselor (CIC)
  • Certified Risk Manager (CRM)
  • General Lines Agent License
  • Associate in National Flood Insurance (ANFI)

John Cotton

CIC, CRM, ANFI
Underwriting Vice President

John received a Bachelor of Science, Risk Management degree from Florida State in 2002 and since has worked both in an agency and MGU environment, focusing on managing commercial insurance operations. His strengths include the ability to assimilate complex issues quickly, as well as the ability to solve problems logically. The experience of working in an insurance agency is valuable to the Coastal Insurance underwriting team, since he understands the view of the retail agent regarding the value of Coastal’s products and services.

  • jcotton@ciuins.com
  • (904) 442-2955
Education / Designations
  • Bachelor of Science in Risk Management & Insurance, Florida State University
  • Certified Insurance Counselor (CIC)
  • Certified Risk Manager (CRM)
  • General Lines Agent License
  • Associate in National Flood Insurance (ANFI)
Scott R. Ancil
Education / Designations
  • Associates in Personal Insurance (API)
  • Associates in Insurance Services (AIS)
  • General Lines Agent License
  • Associate in General Insurance (AINS)
  • Associate in National Flood Insurance (ANFI)

Scott R. Ancil

API, AIS, AINS, ANFI
Commercial Underwriter

Scott has over 13 years experience working in the insurance industry. Since most of Scott’s experience is at the carrier level, his understanding and perspective for growth and loss trends gives him a healthy understanding of risk and what it takes to write profitable business for both Coastal and the agent. Some of Scott’s keen skills include analysis, compliance management, agency relationship building, vendor systems, and state regulations and forms knowledge.

  • sancil@ciuins.com
  • (904) 395-5913
Education / Designations
  • Associates in Personal Insurance (API)
  • Associates in Insurance Services (AIS)
  • General Lines Agent License
  • Associate in General Insurance (AINS)
  • Associate in National Flood Insurance (ANFI)
Anita (Toni) Robbins
Education / Designations
  • General Lines Agent License
  • Certified Professional Insurance Woman (CPIW)
  • Associate in Insurance Services (AIS)
  • Associate in General Insurance (AINS)
  • Associate in Commercial Underwriting (AU)

Anita (Toni) Robbins

CPIW, AIS, AINS, AU
Underwriting Assistant

Toni has been working with Coastal since 2009. Toni has a diverse background on both the carrier side and the agency side of the house, over the course of her 40+ years of experience. She has years of experience with claims, marketing, account management, and renewal underwriting. Our agents prize Toni for her generous and attentive helpfulness.

  • arobbins@ciuins.com
  • (904) 395-5914
Education / Designations
  • General Lines Agent License
  • Certified Professional Insurance Woman (CPIW)
  • Associate in Insurance Services (AIS)
  • Associate in General Insurance (AINS)
  • Associate in Commercial Underwriting (AU)
Heidi Gruber
Education / Designations
  • Bachelor of Applied Science-Consumer Studies, University of Guelph
  • General Lines Agent License

Heidi Gruber

Underwriting Assistant

Heidi has been working with Coastal since 2010. Heidi is extremely efficient in her processing skills and document delivery. Heidi has a tremendous eye for detail and workflow. Heidi is very dedicated to providing our agents with quality and timeliness.

  • hgruber@ciuins.com
  • (904) 567-3972
Education / Designations
  • Bachelor of Applied Science-Consumer Studies, University of Guelph
  • General Lines Agent License
Alexandra Underwood
Education / Designations
  • Bachelor of Science in Quantitative Economics, Miami University Oxford, OH
  • General Lines Agent License
  • Associate in General Insurance (AINS)
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Risk Management (ARM)

Alexandra Underwood

AINS, CPCU, ANFI, ARM
Commercial Underwriter

Alex started her career with Coastal by interning in the summer while still completing her degree. Using the skills gained through studying quantitative economics, Alex has proved a great asset in contributing to our predictive analytics tools. A high level of attention to detail and ability to track trending, sets Alex on her path to assisting in the underwriting of our niche business. Alex is also skilled at using a statistical cube to analyze our internal loss triangles and historical loss experience to gain useful insight.

  • aunderwood@ciuins.com
  • (904) 395-5911
Education / Designations
  • Bachelor of Science in Quantitative Economics, Miami University Oxford, OH
  • General Lines Agent License
  • Associate in General Insurance (AINS)
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in National Flood Insurance (ANFI)
  • Associate in Risk Management (ARM)
Marianne Chance
Education / Designations
  • Bachelor of Arts, Economics and International Relations, Boston University
  • Certified Insurance Counselor (CIC)
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Reinsurance (ARe)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • Associate in Reinsurance (ARe)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • Associate in Personal Insurance (API)
  • Chartered Private Risk and Insurance Advisor (CPRIA)

Marianne Chance

CPCU, ARe, CIC, AINS, AIS, API, CPRIA
Commercial Underwriter

Marianne started her insurance career in 2003. Although Marianne’s specialty has mainly been in the Personal Lines insurance arena, she has honed a wealth of skills relating to supervising, underwriting, training, auditing, rating, agency management and program development. You will find that working with Marianne lends itself to easy conversation, intentional feedback, well researched findings, and studied analysis. Marianne also values furthering her education and staying on top of industry trends, as you can see from her designation and accreditations listing below. Marianne brings another Chartered Property Casualty Underwriter (CPCU) designation to our well qualified team here at Coastal.

  • mchance@ciuins.com
  • (904) 395-5815
Education / Designations
  • Bachelor of Arts, Economics and International Relations, Boston University
  • Certified Insurance Counselor (CIC)
  • Chartered Property Casualty Underwriter (CPCU)
  • Associate in Reinsurance (ARe)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • Associate in Reinsurance (ARe)
  • Associate in General Insurance (AINS)
  • Associate in Insurance Services (AIS)
  • Associate in Personal Insurance (API)
  • Chartered Private Risk and Insurance Advisor (CPRIA)
Logo © Coastal Insurance Underwriters - In California: Norman-Spencer Insurance Agency, LLC License #0B64551 No claim to any government works or material copyrighted by third parties. Nothing on this website constitutes an offer, inducement, or contract of insurance. Financial strength and size ratings can change and should be reevaluated before coverage is bound. This material is intended for licensed insurance agency use only. This is not intended for business owner or insured use. If you are not a licensed agent please disregard this communication. Norman-Spencer Insurance Agency supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.