PERse (Power.Energy.Risk; securing the environment) is a Managing General Underwriter specializing in property, casualty and tax insurance products for energy and power production facilities with a specialized focus on renewable energy.

We provide a superior level of service to clients through our breadth of product offerings, underwriting capabilities, technical services and administration. The PERse team is dedicated to forming exceptional long-term relationships and maintaining an impressive track record in the renewable energy industry.

PERse underwriters ensure the insurance program for each project is in compliance with all contracts and fully meets the needs of all project participants.

PERse can be accessed through retail and wholesale brokers in the renewable space as well as those with traditional energy or property/casualty backgrounds. We work directly with our brokers and their clients (project developers, owners, equipment manufacturers, lenders and their insurance advisors) to meet the challenges of the complex exposures faced by relatively new and rapidly-evolving technologies.

PERse offers a wealth of experience in the ever-evolving Renewable Energy space. We have maintained long-standing partnerships with the early innovators of wind development and newcomers alike. With our cutting edge approach, PERse efficiently services our clients’ insurance needs from small scale solar installations to multi-billion dollar wind farms.


MICHAEL BERNAY CEO & Managing Director

Michael Bernay has been in the insurance industry for over 30 years, dedicating the majority of his career to specializing in the power and energy industries. Prior to joining RSG and forming PERse, Mike was President of one of the largest underwriting managers of renewable projects worldwide. Mike wrote his first California-domiciled wind energy project in the late 1980s. At that time, he secured the endorsement of the American Wind Energy Association (AWEA) for their first property and casualty program. Mike also spent eight years as Executive Vice President of a company that was the first U.S. insurance agency to specialize in wind energy projects.

PATRICK STUMBRAS President & Managing Director

Patrick Stumbras has 25 years of experience in the insurance industry, with a primary focus on power generation. Before joining RSG, Pat served as Executive Vice President and Branch Manager for the New York City offices of one of the largest underwriting managers of renewable projects worldwide. Prior to that, he held senior level positions with a number of major brokerage firms in the U.S. Pat began his career underwriting high-challenge occupancies (pulp and paper, utilities, chemical). He is a frequent speaker at renewable energy conferences around the world.

JEFFREY SMITH Executive Vice President – Underwriting & Managing Director

Jeffrey Smith has over 12 years’ experience in the insurance industry in a variety of underwriting, management and sales positions. Prior to joining PERse, Jeffrey was Vice President and Underwriting Officer for one of the largest underwriting managers of renewable projects worldwide. His primary responsibility was underwriting and managing a profitable North American book of business which, at the time, was in excess of $50 million written premium. He also served as Assistant Vice President at the first US insurance agency specializing in wind energy products.


MARK HENNESSEY Executive Vice President

Mark Hennessey has over 30 years of experience in the insurance industry, including large commercial, construction, surety and industrial loss adjusting and claim management experience. Prior to joining PERse, Mark was Vice President of Technical Services for one of the largest underwriting managers of renewable projects worldwide. At that firm, Mark developed and managed the Technical Services Department that specialized in loss mitigation and prevention via proactive risk assessment, engineering and strategic vendor alliances.

Adam Goddard Senior Underwriter

Adam focuses on the complete spectrum of renewable energy sub-classes and technologies. Adam joined PERse in 2017 and has over 10 years’ experience in the insurance industry. Prior to PERse, he was underwriting renewable energy for Ascot Underwriting (Syndicate 1414) with Lloyd’s of London. Adam has a Master’s degree in International and Commercial Law and is a fully Chartered Insurance Practitioner.

Scott Dench Underwriter

Scott develops and underwrites new and existing business from the PERse London Office. Scott applies a laser focus to placing the client first and serving their needs. He has worked in the insurance industry for over 26 years, starting his career in claims with Hogg Robinson before moving to the placing side at JLT, where he spent 12 years. Scott was one of the founding members of the GCube London team. He has a designated Certificate in Insurance.

Kristin Daur Underwriter

In her seven years insuring renewable energy projects, Kristin has cultivated relationships to fuel the success of her partners and clients in the burgeoning renewable energy space. Kristin began her career at one of the largest underwriting managers of renewable energy projects worldwide and has since continued her career with PERse. Kristin is an active member of AWEA and WOWE (Women of Wind Energy) and a faithful advocate for accelerating the growth of women in the insurance industry.

Con Elfes Senior Vice President

Con is a senior executive and highly skilled underwriter for the Bio Industry, specializing in all Bio sectors including Ethanol, Bio Diesel, Biomass, Biogas. He has worked in the insurance industry for 20 years as a producer and as an underwriter. Con started his career at Hays Companies of MN as Senior Vice President and prior to that, he served as Senior Vice President with GCube Insurance Services.

Kent Gallego Underwriter

Kent specializes in an array of renewable energy products both domestic and abroad with a concentration in wind, solar and hydro power. He focuses on engaging new markets and modeling CAT risks for PERse.

Emelie Klehr Associate Underwriter

Emelie specializes in the wind and solar industry. Prior to launching her career with PERse, she graduated from Pennsylvania State University with a Bachelor’s degree in Marketing and International Business.

Brienne Saunders Account Manager

Brie manages client transactions for all renewables and casualty risks for PERse. Prior to joining PERse, Brie was an Account Manager for one of the largest underwriting managers of renewable projects worldwide. Brie has her Property and Casualty Insurance License.

Darren Askari Claims

Darren is a Claims Adjuster with PERse, handling losses at varying levels of complexity and working to bring swift resolution on behalf of PERse’s clients. Darren began his career in 2002 and previously worked for Brown & Brown and Gallagher Bassett Services. Darren is a licensed adjuster in 35 states.


rsgPERse is a Ryan Specialty Group (RSG) company. RSG is an international specialty insurance organization that provides underwriting management, wholesale brokerage and other specialty insurance services to brokers, agents and insurance carriers.

RSG was founded in 2010 by Patrick G. Ryan, the highly respected insurance veteran, founder and former Chairman and CEO of Aon Corporation. Mr. Ryan saw a need in the marketplace for a specialty organization dedicated exclusively to creating sophisticated insurance solutions for risks that demand innovation, proven leadership, outstanding industry expertise and quality services on behalf of brokers, agents and carriers.

The underwriting division of the company, RSG Underwriting Managers (RSGUM), delivers an independent and entrepreneurial approach to the specialty lines space by providing a unique platform for operational, legal, actuarial and technical support. RSGUM’s exceptional resources and back-office partnership allows underwriters to be focused on the risk itself, delivering a superior level of service to brokers, agents and carriers.

For more information, please visit www.rsgum.com.