About Us > Management > Ann Toole; Senior Vice President of Finance

As Senior Vice President of Finance, Ann Toole has several general areas of responsibility that have a broad impact upon the operations of the organization. She is GUARD’s primary liaison for a number of corporate partners, including reinsurers and reinsurance intermediaries. In that capacity, Ann participates in the process of soliciting, evaluating, negotiating, and securing agreements that appropriately balance cost and coverage for multiple lines of business. She coordinates, organizes, and implements the company’s Enterprise Risk Management policy and plan, which are aimed at identifying, correlating, and preventing/mitigating possible threats to short- and long-term profitability. Finally, she oversees GUARD’s Residual Market Servicing Carrier operations in multiple jurisdictions, is involved in a variety of accounting and finance activities (such as budgeting and related analysis), and directly supervises the Premium Audit Department, which ensures the correct classification of payroll-based policy premium and final reconciliation of the estimated and actual cost of coverage for individual accounts.


Commercial property and casualty insurers specializing in small- to mid-sized businesses.

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