Our Mission

OUR MISSION is to provide a solid, resilient catastrophe platform that will stand the test of time.  We do that by carefully selecting smart policyholders with exceptional properties while promoting wind and flood mitigation, insurance-to-value, and smart retention options. 


Crucial to our success is our longstanding partnership with Lloyd's of London, and also our customer service philosophy.  Our best-in-class service extends to policyholders, a few select agency partners and trading partners. 


Our team thrives in dynamic, entrepreneurial environment and defines success as a collaborative process.  If you are experienced, but underserved, call us today about your future.


Our leadership team

Karen Toler

Founder and President,

After 34 years of experience in the insurance industry, Karen founded Insurance Partners Consortium (IPC) in April 2015 with the goal of designing customized insurance programs and delivering unparalleled service to select agents in North Carolina, South Carolina, Georgia, and Florida. Our focus is on building insurance programs for hard-to-place properties in catastrophe-prone areas.  

Karen's accolades include Broker of the Year IIANC and she is a former President of the NCSLA.

When Karen's not thinking about insurance, you'll probably find her working in the garden, spending time with her family, or kicking back on the boat. 


Ryan Toler

Co-Founder and Executive Vice President, Underwriter

Ryan always had a passion for insurance. He began his career after graduating from Appalachian State University (ASU) with a double major in Insurance & Risk Management and Finance & Banking. As a co-founder of Insurance Partners Consortium, he strives to provide his clients competitive, best-in-class insurance coverage that gives them the capacity to recover, should disaster strike.

He is a proud husband to his wife Megan Toler and the father of three beautiful girls, Molly, Hazeleigh and Rylee Toler. Ryan is an avid surfer, paddle boarder, gardener, and dad extraordinaire. 



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