Andy Friyia
A Visionary in Insurance
From his early days in the technology sector to a distinguished career in insurance, Andy Friyia's journey is one of passion, innovation, and leadership. Graduating from the Radio College of Canada and with a tech background, Andy found his true calling in insurance.
His diverse roles - from producer to VP of a major Canadian pleasure craft MGA - have given
him a unique perspective on the industry. Known for his inspiring public speaking and dedication to education, Andy is more than a leader; he's a mentor committed to the growth of others.
Andy's approach is built on trust, foresight, and an unyielding commitment to integrity. He believes in empowering clients through knowledge, fostering long-term relationships, and navigating the ever-evolving insurance landscape with strategic agility.
Andy is the President of the Mt Brydges Bulldogs of the Provincial Junior Hockey League (Junior C), and a member of the Mt Brydges Royal Canadian Legion, Branch 2
Brock Hogarth
A Steward of Insurance
As an insurance professional deeply ingrained in his community, Brock Hogarth brings not only extensive experience but also a genuine passion for serving others. Raised in Tillsonburg, Ontario, Brock developed strong roots and connections within the fabric of Canadian life.
For over two decades, he has been an active member of the Insurance Brokers Association of Ontario (IBAO), leveraging conventions and networking opportunities to stay abreast of industry trends. His involvement with Orbit, a broker-driven organization dedicated to advancing real-time technology in insurance, underscores his commitment to innovation and progress.
Professionally, Brock has spent over 25 years as Principal Broker at Hogarth Insurance, a fourth-generation family brokerage in Tillsonburg. During his tenure, he has witnessed substantial organic growth, a testament to his dedication to client satisfaction and relationship-building. Beyond his professional pursuits, he is deeply involved in community initiatives such as Meals on Wheels, where he volunteers his time to ensure that vulnerable members of the community receive the support and nourishment they need to thrive. Additionally, as an active member of the Tillsonburg Chamber of Commerce, he contributes to the growth and prosperity of our local businesses.
Randy Carroll
The Mentor to All
Randy Carroll is an innovative, strategically focused advocate and architect of value
creation. He is a seasoned leader who has worked with the highest level of federal and
provincial politicians, government and regulatory officials, industry leaders, corporate
and volunteer boards of directors, and top talent of all stripes in the pursuit
of association and industry excellence.
Randy is a seasoned veteran of the property and casualty insurance industry and has
extensive experience in a range of insurance related organizations, from multiple vantage points, giving him unprecedented industry insights. Coupled with this is his ability to bring complexity down to positive, actionable steps, and the tenacity to see them through to fruition, sharing successes with his team along the way.
Randy's nearly forty-year insurance career has seen him grow an insurance broker, insurance brokerage owner, manager and CEO of Canada’s largest Insurance Brokers Association. Randy currently holds the position of Senior Insurance Strategist of Select Strategy Group.
He is also a Queen Elizabeth II Diamond Jubilee Medal recipient for his volunteer work with a host of insurance related organizations, a sought after public speaker, and a registered lobbyist. Randy is the President of the Goderich Legion Branch 109 and serves on Goderich City Council. On a personal note, Randy is a proud husband and father, softball supporter, and enjoys fishing, boating and travel in his limited spare time.
Chris Mustakas
Your Marketing Guy
Chris Mustakas is an innovative marketing leader with two decades of experience across the sports, entertainment, public sector, and insurance industries. Known for his high energy and relentless pursuit of excellence, Chris has consistently demonstrated his ability to transform marketing efforts into impressive ROI-driven campaigns.
He inherited his last marketing department generating just 48 cents for every dollar spent on advertising, and within three years grew it to over $14 for every dollar spent—an achievement underscoring his innovative, data-driven approach and commitment to maximizing value.
Chris is passionate about elevating brand awareness through lead generation programs, designing intuitive websites, and enhancing client experiences at every touchpoint. With a background that includes leadership roles at the Ottawa Senators Hockey Club, two marketing agencies, and as Director of Marketing for two insurance companies, Chris combines his strategic insights with a hands-on approach that consistently delivers measurable success.
He holds a Master of Business Administration and a Master of Sports and Recreation Administration from the University of New Brunswick, and continues to leverage his diverse expertise to push boundaries and redefine what's possible in the insurance marketing space.
Visit his website for more information on his fractional marketing executive services.
Carrie Bernardo
Top Broker of the Year (2024) and Elite Woman in Insurance (2025)
Carrie Bernardo is a seasoned insurance professional with over twenty years in the insurance industry. Beginning her career in claims and subsequently transitioned into underwriting before moving into the brokerage side of the business.
Carrie is passionate about professional development and has earned her FCIP, CRM, and CAIB designations as well as her principal broker license. Her expertise encompasses training and development, workflows and procedures, management, operations, and compliance. She has extensive experience with a range of broker management systems, demonstrating strong proficiency in Epic. She also previously served on the board of the Applied Client Network’s Greater Ontario Chapter.
In her most recent role as Managing Director, Carrie led her brokerage to be recognized as Small Brokerage of the Year in 2024 by Insurance Business Canada Magazine. She was also nominated for the Women of Distinction award and honoured as Top Broker of the Year in 2024 and Elite Woman in Insurance in 2025.
Carrie is a member of the Greater Kitchener Waterloo Chamber of Commerce and the Ontario Insurance Professionals Association.
Additionally, she volunteers her expertise by serving on Conestoga College’s Insurance Program Advisory Committee.
Sabin Gautam
Financial Wiz
Sabin Gautam is a dedicated accounting strategist specializing in supporting small businesses and self-employed professionals. With extensive experience in all aspects of P&C brokerage accounting operations, he has managed the books for multi-million-dollar brokerages, overseeing full-cycle accounting, financial reporting, and regulatory compliance.
As the founder of AI Accounting and Business Solution, Sabin provides expert services in accounting, tax filings, GST/HST compliance, payroll, and business registration. His approach emphasizes clarity, precision, and long-term financial planning, empowering clients to make informed decisions and achieve sustainable growth.
Licensed in life insurance, Sabin takes a holistic view of financial well-being, integrating business performance with personal and family protection to ensure clients have a comprehensive and secure financial strategy.
An entrepreneur and proud father of twins, Sabin understands the challenges of balancing work, family, and future planning. Outside of work, he enjoys volleyball, ping pong, and exploring new business ideas. His curiosity, discipline, and client-first mindset define his practice, which involves simplifying finance, building trust, and guiding clients toward confidence and success at every stage of their journey.