David Bosley

Managing Director, Senior Executive General Adjuster

David has handled technical and complex losses including property, CAR, machinery breakdown, natural resources and associated BI/time element, globally for the last 40 years. In addition, he manages liability claims specializing in product liability.

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Mobile: +44 (0) 7974 766935

Brian Fell

EVP, US Operations, Senior Executive General Adjuster

Through managing claims for insurance carriers, Brian Fell has handled claims involving a wide variety of risks relating to commercial, industrial, manufacturing and healthcare risks. He has handled many catastrophe related losses associated with hurricanes, floods, winter storms, wild-fires and civil unrest, both domestically and internationally, as an Executive General Adjuster.

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Mobile: +1 (732) 803-9729


Mark Lowers

Founder and Chief Executive Officer, Lowers Risk Group
Chairman of the Board, Adjusteck

Mark serves as President and CEO of Lowers Risk Group, a provider of enterprise-wide risk mitigation and loss prevention, employment screening, and data intelligence services through its complementary companies: Adjusteck, Lowers & Associates, Lowers Forensics International, Proforma Screening Solutions, Wholesale Screening Solutions, and Periculus. Mark is also President of Lowers & Associates, a firm specializing in risk mitigation, international risk management, and loss prevention services that provides services to insurance companies, banks, the cash-in-transit industry, and other financial institutions. He has served in this capacity since 2004.

Office: (540) 338-7151

Danielle Kaminski

Executive Vice President, Operations, Lowers Risk Group
Executive Advisor, Adjusteck

Danielle is an experienced attorney and trusted voice in the insurance industry with 25 years of experience across insurance-based litigation, independent adjusting, and high-growth operations. Danielle is responsible for expanding LRG’s insurance service offerings across the enterprise. She previously served as Senior Vice President, Commercial Operations and Acting General Counsel for Charles Taylor Adjusting (CTA) where she played a key role in the growth of the company’s US footprint and practice lines as well as the creation and growth of CT Technical Services. In 2020, Danielle was named to Insurance Business America’s Hot 100 list of industry leaders.

Mobile: +1 (917) 952-9158

Andrew Ballard


Andrew has held various claims management roles with the London insurance market working for both brokers and insurance companies. Over the last 10 years, his responsibilities have included client relationship management for a global loss adjusting firm, as well as business operations management.

Mobile: +44 (0) 7507 618720