President – Diversified Risk


Difference Makers are everyday people doing extraordinary things.

Hear from Insurance and Risk Management experts working tirelessly for the greater good.

Paul Gaglioti serves as both the President of Diversified Risk Solutions and CEO of He earned his Bachelor’s Degree from the University of Arizona in 2009, where he double majored in political science and business. Paul earned the CIC designation from The National Alliance for Insurance Education & Research. 


Since high school, Paul Gaglioti dreamed of becoming an entrepreneur, following in the footsteps of his father and grandfather. Paul’s father saw the potential for success in the insurance industry and knew Paul would succeed.

“Entrepreneurship is something that runs in my family. My father and grandfather started their own businesses. I grew up surrounded by a family of entrepreneurs. Watching someone build something from nothing and be able to take advantage of what they had put together was something that always interested me.”


While Paul was working for another insurance agency, he realized the world of insurance was much bigger than just Home and Auto policies. Learning about how much opportunity was in the industry, Paul realized he needed more education to be successful.

“I had an ‘aha’ moment working in an agency before starting Diversified Risk Solutions in 2011. I realized there was tremendous opportunity to grow in the industry. I love learning about businesses. Insurance is the best industry for that because I get to learn about the different types of businesses out there and how they operate.  I realized at the time, that there weren’t as many people as passionate about doing the type of deals I wanted to do. I took that as an opportunity to start my own brokerage.”


Paul learned about the CIC designation through marketing from PIA and realized he was going to need more education to become a best-in-class agent. Paul’s drive and determination to become the best pushed him to earn his CIC designation in 2013.

CIC Life and Health

In the CIC Life and Health course, you will learn practical information related to Life and Annuity Policies, Business Life Concepts, Health Insurance, and Employee Benefits. Leave the class with information that you can put to use immediately.

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CIC Commercial Casualty

In the CIC Commercial Casualty course, you will gain a detailed understanding of the coverage, limitations, and exclusions of the Commercial General Liability (CGL) Policy, the Business Auto Policy (BAP), and the Workers’ Compensation and Employers’ Liability Insurance Policy (WC & EL Policy).

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CRM Practice of Risk Management

Practice of Risk Management helps you tackle the daily managerial and organizational requirements of risk managers and consultants. New topics include International and Multinational Risks and Compliance and Governance.

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CIC Commercial Property

In the CIC Commercial Property course, you will gain a detailed understanding of Commercial Property coverages and endorsements and learn how to maximize coverage and protect your property accounts.

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CRM Analysis of Risk

Analysis is a vital step in the risk management process— using risk data to analyze the frequency and severity of losses, the potential for future losses, and cost-benefits of control solutions.

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CRM Financing of Risk

Financing of Risk is often an intricate and complex task. In this course, you will compare various financing options: non-insurance transfer, guaranteed cost plans, retro plans, dividend plans, pools, and various types of captives. You will learn how to deliver the message to management in present value dollars. We recommend that this course be taken after Analysis of Risk.

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Principles of Risk Management

This course provides a solid foundation in risk management essentials that give you the tools to properly identify exposures.

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CIC Personal Lines

In the CIC Personal Lines course, you will focus on the Property Casualty insurance industry, covering topics related to Personal Residential and Personal Auto, including policy coverages, limitations, and exclusions. Through the use of examples of Personal Umbrella or Excess Policies, you will learn how to respond in the event of a loss.

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CIC Agency Management

In the CIC Agency Management course, you will learn how to apply the management theories, methods, and procedures necessary to operate a successful insurance agency. Leave the class prepared to implement strategies designed to increase agency profitability.

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Earned the CIC Designation!

Dynamics Series- Dynamics of Selling

The Dynamics of Selling process has revolutionized the sales careers of a generation of insurance producers—dramatically increasing closing ratios and personal income. While many generic sales programs are available, Dynamics remains the only “insurance specific” sales process developed and taught by successful sales leaders in the industry.

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CPRM Evaluating and Protecting the Lifestyle

Thoroughly protecting the lifestyle of the affluent and high net worth client by insurance and risk management is the focus of this course. Learn to evaluate the often specialized coverage needs and gather the necessary information used by insurance companies to insure and risk manage these lifestyle exposures.

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CIC Insurance Company Operations

In the Insurance Company Operations course, you will learn strategic decision-making strategies for the purpose of satisfying regulatory requirements, meeting compliance standards, product development, underwriting, distributing and marketing, processing claims, and other vital company functions.

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CRM Analysis of Risk

Analysis is a vital step in the risk management process— using risk data to analyze the frequency and severity of losses, the potential for future losses, and cost-benefits of control solutions.

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“I think the education needed to earn the CIC should be a requirement for agents and brokers. Pre-licensing for insurance is pretty complex, but it doesn’t dig into what you actually need to know to understand or sell insurance policies and products. The CIC classes really dive into what you’re actually doing: how a policy really works, how those policies differ from carrier to carrier, and the different forms and endorsements that would modify the coverage being provided.”


Paul started Diversified Risk Solutions in 2011 out of his parents’ home in New Jersey. Paul’s success earned him a new office in New York City.

“My philosophy is hustle beats talent when talent doesn’t hustle. And hustle and talent is impossible to beat. So for me it’s really just about going out there and giving my 110% every time and just really just leaving it all out there.”

In the insurance industry, filling out the same form over and over again has become an accepted norm. Paul was seeking a solution for this industry-wide problem when he met Marc Hadfield, who had a background in artificial intelligence. Together, they leveraged technology to help the insurance industry at large.

“Adaptive technology is one of those things that doesn’t exist until it does. You don’t know you need a smartphone until you can visually see it in your hand and watch it work.  If you asked someone in the past (before smartphones came out) what they would want as a phone, they would probably envision a Razor or another cell phone they had.”

Paul and Marc cofounded an Insurtech platform called as a way to utilize artificial intelligence and machine learning to help streamline insurance transactions.

“We allow insureds, consumers, their agents and brokers, and insurance carriers to live in an ecosystem similar to that of Amazon. They’re able to figure out what to buy, get questions answered based on a particular type of product, industry, or experience, and get insurance options.”


Paul believes the insurance industry is underutilizing the solutions technology can provide. Today, Paul’s mission is to use to help modernize the insurance industry in a way that’s beneficial for everyone.

“We believe what we’re doing with technology is going to enable our carrier partners, insureds, and brokers to grow their business in the most efficient way possible. Whether it be that of the insured, the broker or the carrier in the most efficient way possible.”