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Our Mission

OUR MISSION is to provide a solid, resilient catastrophe platform that will stand the test of time.  We do that by adhering to our unique underwriting philosophy. 

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

Our team defines success with partners as a collaborative process.  If you are underserved and looking for a coastal property specialist, call us today about your future. 

Our Mission

Our leadership team

Karen Toler

Founder and Executive Vice 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. 

Karen's Bio

Ryan Toler

President and Co-Founder,  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. 

Ryan's Bio
Bre's Bio


Head of Personal Lines, Underwriter

Bre enjoys offshore fishing and everything outdoors.  She began her career in law after graduating from East Carolina University (ECU) with a major in criminal justice and minor in hospitality management.  Bre's legal background comes in handy interpreting insurance contracts for our clients.  Bre is at home while marketing and leaves no stone unturned when providing a competitive insurance program. 

Bre grew up on her family farm where she developed her strong work ethic.  Today, Bre and friends still enjoy "Steak Night" at the family farm.

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