OUR PRODUCT LINES
The World of Inland Marine Insurance is a complex one. Covering industries ranging from construction and transportation to art and theater, underwriting experience is of paramount importance.
The IMpulse Program specializes in small to mid-sized standard and non-standard Inland Marine business. Our expert team is here to focus on your client’s individual needs and will provide you with an unparalleled customer service experience coupled with best in class insurance capacity.
We're practical. We're efficient. And most importantly we will get back to you expediently. Responsiveness is key to helping our brokers get things done within this transactional business segment, and is a cornerstone of our mission statement.
- Builders Risk / Installation
- Contractors Equipment
- Equipment Sales & Rentals
- Warehouse Legal
- Motor Truck Cargo / Contingent MTC
- Scheduled Property Floaters
- Ancillary Property
- EDP Floaters
- Drones / UAVs
- Non-CAT Difference In Conditions
- Fine Art
Head of Inland Marine
Joseph is the originating member of the IMpulse team, and brings with him over 20 years’ experience in the insurance sector. Most recently he was Senior Vice President, U.S. Marine Insurance, at Aspen Insurance Co. Formed in 2010, Joseph was a founding member of the U.S. Marine Insurance Department at Aspen.
Before Aspen, Joseph held various positions in Property and Inland Marine Underwriting along with Professional Liability Claims and Reinsurance at One Beacon and AIG.
Assistant Vice President
Matt came to the IMpulse team in its nascence at the beginning of 2020, and brings with him nearly 15 years' experience in the industry. He has held previous positions both on the underwriting side and retail brokerage side of the business, which brings a unique perspective and practicality to his work.
Matt is a graduate of Emerson College, and enjoyed a prior life as touring musician and recording engineer.
Michael joined the IMpulse team in late 2020 after kick-starting his career in a two-year underwriting training program at Aspen Insurance Co. He is eager to continue to grow in the field as an insurance professional.
Michael attended DeSales University where he studied Accounting and Sport Management, and captained the men’s soccer team. Michael will channel this competitive drive to help bring the IMpulse team to the next level.
BIANCA JUSTINE MORALES
Bianca is one of the newest members to Balance Partners, and will be splitting her time between the Pentium and IMpulse teams. Bianca has dedicated her insurance career to E&S Wholesale Property with 10+ years in the industry. She established her underwriting career by focusing on high hazard industrial property at Hanover Specialty Industrial Property, before making the transition to the MGA side underwriting Habitational and Commercial Property. Most recently, she explored the brokerage side for 2 years with CRC Group.
Bianca is a graduate of Adelphi University and is excited to be back in the underwriting space.
Lead Fine Art Underwriter
Ben joined Balance Partners in 2022 to lead IMPulse Fine Art after spending nearly three years at a successful Insurtech MGA, where he led Marine distribution. He eagerly returns to his underwriting roots, as he previously underwrote Fine Art and other Inland Marine lines at Aspen Insurance Group.
Prior to insurance, Ben graduated from the University of Arizona and was a member of the Wildcats' Division I tennis team. He was an Assistant Tennis Coach for New York University’s Men’s & Women’s tennis teams in his early career.