CoEfficient Underwriters, Inc. is a program administrator specializing in unique insurance solutions for the casualty insurance lines of workers compensation, general liability, and auto liability.  Our expertise is focused mainly on alternative risk products, including captives, specifically tailored for middle market businesses in the temporary staffing, transportation, healthcare, and construction industries.

Through our wholly owned subsidiary IC Management Services, Inc. we also offer additional customized products, such as occupational accident coverage, for independent contractor drivers who operate under lease to a motor carrier.

The management team at CoEfficient Underwriters, Inc. has over 75 combined years of property and casualty experience, with an emphasis on structuring, developing, and managing guaranteed cost and alternative risk programs.  Our strong relationships with insurance carriers and service providers help us to offer complete programs with customized risk control and flexible financing options on nationally recognized paper companies.

We take pride in delivering innovative insurance solutions to fill the needs of our clients and broker partners.  

Please contact us for your program/captive creation, insurance placement, or underwriting needs.  

Jeff Nacyk

Jeff has 23+ years of experience in the Risk Management and Insurance Brokerage industry. Prior to joining CoEfficient, Jeff's insurance career was spent at one of the largest insurance and risk management services firms in the world. He was employed as a Senior Vice President-Underwriting of a specialty division that provided program and alternative risk solutions to broker partners. His primary role was the oversight and management of all underwriting, pricing and carrier relations for a large book of program and alternative risk premium. He led a team of over 30 underwriters and MGA staff to handle all aspects of servicing that book which doubled over the last 5 years of his career there. Jeff was responsible for the creation of many new products and services that the company offered.  He has expertise in most Property & Casualty lines of coverage and in building and maintaining many different types of standard and alternate risk structures. Jeff earned a B.S. degree in Marketing from Elmhurst College, Elmhurst, IL.


E-mail:  jnacyk@coefficientunderwriters.com 

Lisa K. From

Lisa has 10+ years of experience underwriting Property and Casualty lines of coverage.  She is well versed in alternative structures including Group Captives, Rent-A-Captives and Large Deductibles. Lisa has worked as an underwriter at Travelers and AIG, specializing in construction and global energy.  She has also spent several years at the alternative risk division of one of the world's largest brokerage firms as an underwriter for a variety of captive products across a breadth of industries.  In addition to underwriting, she has several years of sales, marketing, and systems design and management experience.  She has a B.A. degree in Biology and Creative Writing from Knox College.

E-mail: lfrom@coefficientunderwriters.com 

Joanna Mays

Joanna joined CoEfficient in 2014.  She is a workers compensation program underwriter with primary responsibilities including production of insurance quotations, policy issuance, and managing the overall account servicing requests for our broker partners. She has a B.S. degree in Business and Marketing from University of Illinois Chicago.  


E-mail:  jmays@coefficientunderwriters.com 

Katie Hughes, CPCU

Katie has 15+ years of experience building, underwriting, and implementing both captive and guaranteed cost insurance programs for Property & Casualty lines of coverage.  Prior to joining CoEfficient, she worked in a specialty division of one the largest insurance and risk management services firms in the world.  Katie managed a team and the prospective client underwriting process for numerous programs with a wide range of classifications and coverage. The programs consisted of Guaranteed Costs Programs, Group (owned) Captives, Rent-A-Captives and Quota Share programs.  She has lead the entire new program implementation from an underwriting perspective for numerous start-up programs and managed entire program level renewal including reinsurance contract review, financial analysis and collateral review.  Katie earned a B.A. degree in Actuarial Science with a minor in Finance from Roosevelt University, the Chartered Property Casualty Underwriter (CPCU) insurance designation, and an MBA from Southern Illinois University Edwardsville.  


 E-mail: khughes@coefficientunderwriters.com 

Bernie Clegg

Bernie has 37+ years in the commercial insurance business.  He began his career working for an Oklahoma MGA that specialized in the transportation industry.  He spent time as a broker and underwriter for primary auto liability, physical damage and cargo for trucking companies of all sizes.  He has negotiated and placed large self-funded programs.  He is also versatile in captive programs and their placements.  He spent 11 years at an administrative service company providing accounting and compliance to independent contractors.  He managed the overall administrative services of the company along with the insurance and program management placements for the motor carriers with independent contractor drivers.  In 2008, Bernie established a company providing statutory workers compensation coverage to independent contractors operating under the authority of a motor carrier.  He has joined the team at CoEfficient Underwriters/IC Management Services to continue to provide workers compensation solutions to motor carriers and their independent contractor drivers.  He has a degree in business as well as an extensive insurance education holding his CIC and ARM designations.  Bernie is active in the American Trucking Association and Truckload Carriers Association as well as his church and civic organizations in his home town. 


E-mail:  bclegg@coefficientunderwriters.com 

CoEfficient Underwriters, Inc.
564 S Washington St Suite 304
Naperville, IL 60540
P: (847) 686-0000
F: (847) 686-0012