A Full Service, Full-Authority MGU Designed to Support Issuing Carriers

DiversitySL is a premier minority MGU representing highly rated insurance companies. The company has formed strategic partnerships with leading national insurance brokerage firms and agencies with the goal becoming the minority partner of choice for firms seeking to work in the urban marketplace, government, or in other areas where diversity initiatives are of concern. We are a certified Minority Business Enterprise and work as a strategic and vital partner, not a competitor. DiversitySL:

  • Partners with the leading AM Best “A” and “A+” Rated insurance companies
  • Writes business in all 50 states
  • Provides an opportunity for employers to reach goals for MBE participations
  • Builds long term relationships with clients and partners
We value our partnerships with brokerage, actuarial and consulting firms.

Our ideal clients include municipalities, government agencies, housing and re-development authorities, Hospital and health care companies, managed care organizations, manufacturing firms, unions and high tech service organizations.

DiversitySL offers the following service to our clients:

Medical Stop Loss Coverage

  • Specific and Aggregate coverage for self-funded medical plans available in a variety of deductibles.
  • Our extensive industry relationships give DiversitySL an understanding of the most appropriate options for each group, assuring delivery of products and services best meet each client’s objectives.

Our Products

  • Total Program Management

    Total Program Management

    People, processes and technology are the key drivers at DiversitySL. Collaboration and communication are the foundation of the organization. Our professional and knowledgeable claims personnel are dedicated to total program management, timely and accurate claims auditing and responsive service to clients. In addition to handling reimbursement claims, our Medical Case Management team assist in determining cost-saving measures for specific or aggregate reimbursement claims. Our prescription drug consultants offer prescription drug program review and prescription drug stop loss solutions for clients of all size. We take pride in handling all requests are quickly, professionally and thoughtfully.

  • Medical Stop Loss Coverage

    Medical Stop Loss Coverage

    DiversitySL’s learn of industry veterans works closely with the groups of any size and industry classification to deliver customized stop-loss solutions. Our superior network of stop loss carriers allows us to create the optimal coverage profile for our clients.

  • Consulting


    As group medical programs undergo dramatic change and costs continue to rise, employers are taking a strategic approach to their programs. DiversitySL gives client an advocate charged with optimizing both pricing and outcomes. Clients have open access to our team of expert consultants to guide them through any challenges.

  • Prescription Drug Solutions

    Prescription Drug Solutions

    DiversitySL’s innovative solutions and in-house prescription drug clinical resources differentiate us from our competitors. We are leaders in PBM and Rx benefit strategies, which translates into real savings for our clients

Oversight and Management

Beyond the cost benefits of working with DiversitySL, employers are able to diversify their supplier base and meet their Tier I and Tier II goals.
DiversitySL helps clients manage their group benefit program while reflecting the rapidly changing makeup of their
own diverse customer base.

Our Team


ANDRE DUGGIN is the CHAIRMAN of ELMC Risk Solutions, LLC.

Mr. Duggin has spent more than 30 years assisting clients in the design and development of managed care programs. He founded AV Consultants, Inc. (AVC) in 1982 and built it into a leading commercial insurance consulting, risk management and brokerage firm. Mr. Duggin formed Consolidated Risk Services, Inc. (CSR) in 1992 which became a leader in alternative risk program management for worker’s compensation and other casualty programs. He subsequently formed AV International, Inc. (AVI) in 1998, a holding company for both AVC and CSR, as a vehicle to manage and direct the expansion on the organization. In 2000, AVI West Coast, Inc. was founded, facilitating expansion to the West Coast.
In 2011, Mr. Duggin created AVI Specialty Group (AVISG), a leading minority controlled Wholesale Insurance Broker and Insurance underwriter for sophisticated commercial Property and Casualty insurance and specialty health insurance products. He drew upon his expertise in employee benefits, self-insurance and risk management as a Director of AmeriChoice Corporation, now a part of UnitedHealth Group.
Mr. Duggin has long supported a variety of educational and cultural institutions including, the Barnes Foundation, the National Constitution, Lincoln Center and the John F. Kennedy Center for Performing Arts.



Rory is an accomplished insurance, health and wellness, and technology advocate executive with over twenty years of general management and sales experience working with and for major insurance carriers. He has a proven track record of leading sales and service teams to surpass quantitative and qualitative goals. Strong focus on sales growth, operations management, recruiting and retaining staff, strategic planning, marketing, product development, public sector expertise and client retention. A respected leader experienced with building and maintaining high-performance cultures with an emphasis on collaboration and execution. Specialties include: General Management, Sales Management, Large Case Account Management, Operations Management, Employee Benefits Consulting, Public & Higher Education Marketing, and Strategic planning. He enjoys basketball, fishing, golf and is a life-long Boston Celtics fan.



Which he co-founded in 2013. ELMC is the latest venture in a series of successful insurance related entities he has created including Comprehensive Benefits (CBSC), in 1978, and Thesco Benefits, LLC, in 1995. Since 2013 Richard has built ELMC through the acquisition of best-in-class MGUs with funding partnership from the international investment firm J.C. Flowers & Co.

Richard is a graduate of Franklin & Marshall College. He is a member of the Board of Directors of Unimerica Insurance Company of New York (Executive Committee member). Richard is a past member of the HMO Board of Directors of Oxford Health Plans and the National Advisory Councils of Aetna, CIGNA, HealthNet, and UnitedHealthcare. He is a former member of the Legislative Council of NAHU and the founder of the Empire State Healthcare Coalition.


MARY ANN CARLISLE is the CEO of ELMC Risk Solutions, LLC.

Mary Ann joined ELMC in 2015 as Executive Vice President focused on Marketing and Operations. She has extensive experience as a senior operations, relationship management and strategy professional responsible for driving opportunity in a variety of industries. Mary Ann began her insurance career in the legal compliance department of a Philadelphia area MGU, where she met Richard Fleder. She joined him at Thesco/T &H Group where she remained for 12 years, becoming leader of the Benefits practice. Mary Ann worked in financial services for several years before moving into the non-profit sector as Executive Director of BLOCS, a Philadelphia area scholarship organization. From there she was recruited to build the corporate sales channel at a large local communications company. Mary Ann is working to launch ELMC’s prescription drug benefit products. Mary Ann also serves as the COO of DiversitySL, a minority-owned MGU in which ELMC is a partner. She received a Bachelor of Arts degree in history and sociology from Mount Holyoke College.