Daniel Tober

About Daniel Tober

Senior insurance leader with 17+ years of experience across enterprise risk, asset protection, underwriting, and claims in U.S. and Canadian markets.I specialize in aligning risk mitigation strategies with underwriting, product, and profitability objectives—delivering measurable loss reduction, portfolio performance, and scalable risk solutions across $10B+ in insured exposure.Highlights include:Driving $10M+ in measured loss avoidance through sustained reductions in claim frequency, severity, and exposureDesigning and scaling insurtech and sensor-based risk programs delivering 1,500% ROILaunching underwriting-aligned asset protection initiatives, including a Security Operations Center pilotLeading P&L strategy for an $85M commercial insurance portfolio with sustained premium growth and 90%+ retentionKnown as a trusted, practical leader who builds high-performing teams, modernizes legacy operations, and partners effectively with underwriting, distribution, vendors, and executive stakeholders.Open to strategic conversations around enterprise risk, asset protection, underwriting transformation, and insurtech innovation.

Experience

1. Senior Manager - Asset Protection

   Jewelers Mutual Group

   Nov 2022 — Present

   Lead the “Solutions” pillar of Asset Protection, delivering electronic, physical, and procedural risk mitigation strategies supporting $10B+ in insured stock exposure across insureds- Designed and launched a multipronged crime prevention initiative and Security Operations Center pilot for 100 insureds, integrating real-time security data with underwriting-aligned incentives- Directed end-to-end strategy for insured initiatives, resulting in a $2.5M+ reduction in claim frequency and severity across U.S. and Canadian commercial and personal lines- Modernized legacy educational content into a scalable eLearning program (17 modules, 300+ minutes), increasing policyholder engagement from 20% to 70% annually- Architected and scaled an insurtech sensor program, achieving 15% penetration of U.S. policies in force and a 1,500% ROI in 2025- Delivered $10M+ in measured loss avoidance over five years through sustained risk reduction strategies.

Education

• University of Stirling

  International Relations and Affairs

• University of Wisconsin-Eau Claire

  Bachelor of Science (B.S.), Criminology, Political Science

  2005 — 2009

• University of Stirling

  Study Abroad Program, Political Science and Government

  2008 — 2008