Phil Joschko, Executive Vice President

40+ year industry veteran with start-up experience. Expertise in construction, products, public entities, commercial auto, and reinsurance. Phil has held several key leadership positions and is highly regarded in the insurance and wholesale brokerage community.


Kyle Biddinger, CPCU, CIC, Senior Vice President

35+ year industry veteran and innovator. Expertise in lead and excess casualty insurance, reinsurance, portfolio management, systems, and product development. Kyle has held key managerial and executive roles in admitted and non-admitted carriers. He is highly respected in the insurance, reinsurance, and insurtech industries.


Joanne Suarez, Senior Vice President

Joanne is a 20+ year industry underwriting veteran. She leads Gray Surplus’ Underwriting Operations, bringing expertise in construction (practice and project), manufacturing, and wholesale distribution risks underwriting to the role. Joanne’s line of business expertise extends to Excess, General, Products, and Commercial Auto Liability underwriting. She is a highly respected leader in excess & surplus insurance and the wholesale brokerage community.