John Mullally has broad experience in Employee Benefits and Property & Casualty insurance, risk management and alternative insurance programs. He brings over 25 years of practical and skillful knowledge to Blue Bear, providing clients with outstanding expertise in Risk Management and Risk Financing, as well as traditional and alternative insurance programs. Mr. Mullally is known for working to understand the relevant issues and the client’s goals, and then developing innovative risk solutions that are stable, sound and successful over the short and long term.

Prior to forming Blue Bear in 2004, Mr. Mullally worked for nearly 20 years at a well respected Risk Management and Risk Financing firm providing consulting, management and administrative services to its clients. Among Mr. Mullally's specific accomplishments was his direct participation in the creation and management of some of the most stable and successful risk financing programs ever developed for the public sector. Mr. Mullally helped to conceive of these programs, and then did much of the day-to-day work to make these programs successful realities. His responsibilities included underwriting, developing and then filing policy forms and rating plans, addressing the various requirements of regulatory oversight, analysis of critical risk information through the development of projections, funding levels, rating plans and reserve requirements in concert with actuaries, insurance/reinsurance structure and placement, developing claims, safety and loss control programs, managing staff, as well as marketing and statutory financial reporting.

Mr. Mullally was involved in the creation of the first nonprofit insurance producer in New York State. He has formed and helped manage both cooperative health and workers’ compensation insurance programs. He has provided his extensive expertise as a consultant and has formed and worked on captive insurers here in New York state, as well as in Bermuda.

Mr. Mullally began his career at the AFIA (the American Foreign Insurance Association) and CIGNA Worldwide, serving as an assistant underwriter and then underwriter on Fortune 100 multi-national captive insurance programs. Mr. Mullally has a Bachelor of Arts degree from the State University of New York at Stony Brook, and he is a Certified Insurance Counselor (CIC).

Mr. Charles Rapacciuolo provides Blue Bear with an outstanding resource; his knowledge and experience in insurance, risk management, compliance and regulation. Prior to joining Blue Bear, Charles was a Management official at the New York State Insurance Department where he served for 34 years.

In 2007, the National Association of Insurance Commissioners (NAIC) recognized Mr. Rapacciuolo with its prestigious 2007 Robert E. Dineen Award for outstanding contributions to state insurance regulation. This National Award is the most prestigious honor in the field of insurance regulation. It is presented annually to a single individual from among thousands of state regulators across the country. Mr. Rapacciuolo was cited for helping to create “a roadmap” to the modernization of market regulation.

Mr. Rapacciuolo joined the Insurance Department out of college and rose through the ranks ultimately becoming Assistant Deputy Superintendent and Bureau Chief of the Health Bureau. He directed the operations of the Bureau, and had responsibility for the regulation of health insurance products, the affordability and availability of health insurance, and the financial condition, underwriting and general claim practices of health insurers. Previously Mr. Rapacciuolo was Assistant Bureau Chief of the Property Bureau, where he was responsible for the oversight and direction of the market conduct, excess and surplus lines and property underwriting activities.

He also testified before the New York State Legislature and prepared testimony for the Superintendent of Insurance at hearings before the Legislature and Congress. Mr. Rapacciuolo was also extensively involved in representing New York on NAIC Committees and Market Regulation Working Groups. He has lectured and served on the faculty of the Insurance Regulatory Examiners Society Annual School of Market Regulation, where his experience ranged from financial annual statement reporting to market conduct examinations and best practices.

He has been involved in the development and improvement of SERFF and of the Speed-To-Market initiative, including the Interstate Compact. He most recently was the regulator chair of the SERFF Product Steering Committee and a member of the SERFF Board of Directors. He has chaired the Uniform Product Coding Matrix Subgroup and the Review Standards Checklist Subgroup, and was a member the Speed-To-Market Task Force.

Mr. Rapacciuolo attended St. Francis College in Brooklyn, New York where he received his BS degree in accounting. He is a certified member of the Society of Financial Examiners and the Insurance Regulatory Examiners Society. He is also a member of the Association of Insurance Compliance Professionals, Government and Industry Relations Committee.

Mr. Thomas Dillon is General Counsel at Blue Bear and his experience and expertise encompasses insurance coverage and defense work, corporate matters, employment law and litigation. Mr. Dillon is a specialist with over 20 years of legal and managerial experience. He is a founding partner of Blue Bear and he advises Blue Bear and Blue Bear clients on issues associated with insurance coverage, benefits, employment law, corporate form and litigation strategy.

Tom is also a partner in the law firm of Dillon Horowitz & Goldstein, LLP
(DHG). Prior to DHG, Mr. Dillon was a partner in Gilroy Downes Horowitz
& Goldstein until the formation of DHG in 2008. Mr. Dillon is admitted to
the New York and Federal Bar. He has been a CLE lecturer and materials
author. He is a member of the New York County Lawyers Association,
the Committee on Insurance, the New York State Bar Association, Trial
Lawyers Section, the Brehon Law Society of New York and the Society
for Human Resource Management.

Contact: Phone: 212-269-0180