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Erika Marino (Vice President, Personal Insurance at B.F. Saul Insurance)

Erika Marino

Vice President, Personal Insurance at B.F. Saul Insurance

As Vice President, Personal Lines, Erika Marino leads business development efforts for B. F. Saul Insurance’s private client group and oversees the management of client relationships and sourcing of new accounts. She started her career in wealth management, working for Morgan Stanley as a financial advisor before she made the switch to insurance in 2018 when she joined B. F. Saul.

Erika enjoys creative problem-solving and helping her clients sleep better at night. She measures her success through feedback from her clients and finds the challenges of being an insurance advisor rewarding, especially when finding a solution for clients with very difficult exposures. She enjoys getting out in the community and meeting new faces.

Her biggest value to her clients is her and her team's service and level of expertise. Having team members that have worked at different agencies and across various insurance companies adds a unique depth of knowledge and understanding to their advice.

To prepare for changes and innovations in the insurance industry, Erika believes that the market will need to become more creative to cost-effectively provide coverage for those living in catastrophe-prone areas of the country. To this end, she and her team are always adding new markets that have the capacity to provide coverage in these areas.

Erika is a graduate of Wake Forest University’s Calloway School of Business. When she's not working, Erika enjoys running, reading, and spending time with her husband, Joe, and their son, Matthew. She is a certified Chartered Private Risk and Insurance Advisor (CPRIA) and is on the board of the Society of Financial Services Professionals DC Chapter.

Lanie Raphael (Senior Vice President, Practice Leader for Business and Personal Insurance at B.F. Saul Insurance)

Lanie Raphael

Senior Vice President, Practice Leader for Business and Personal Insurance at B.F. Saul Insurance

Lanie Raphael is a seasoned insurance professional with over 30 years of experience in the industry, with experience in both commercial and high-net-worth insurance. Throughout her career, Lanie has held executive-level roles at prominent insurance companies such as Fireman's Fund, AIG and ACE Private Risk Service in a variety of disciplines including risk management, product development, operations and marketing. In the past decade, she transitioned to the independent agency side, assuming leadership roles that involved direct client interaction and working closely with referral sources. At B. F. Saul Insurance, she oversees both the personal and commercial insurance practices.

Throughout her career, Lanie has learned the importance of adaptability. While the insurance market may seem slow to change, in reality it is evolving rapidly, and staying current is vital. This valuable lesson has shaped her approach to the industry, ensuring she remains agile and up to date with the latest trends and innovations. Lanie's passion for her work stems from her dedication to finding solutions for the complex needs of her clients.

Lanie holds a bachelor’s degree from Cedar Crest College and a master’s from Seton Hall University. She also has an ARM designation (Associate in Risk Management) and earned a CAPI designation (Certified Advisor in Personal Insurance) from Wharton.