Stacks Image 201
Michael F. Frosch

Mike is the Founder and President of Personal Safeguards Group, LLC (PSG). PSG is a specialty insurance and warranty advisory and brokerage firm serving manufacturers, marketers, retailers and solution providers in the automotive, appliance & technology, home, affinity and financial services industries.

In addition, PSG advises private equity firms, strategic buyers and sellers, insurance carriers and service contract providers, administrators and marketers.

Prior to founding PSG, Mike served as President of The Warranty Group and Chairman and President of Virginia Surety Company (US based insurance carrier). During his 10 year term, Mike’s responsibilities included all global business units and all lines of business. Mike served as Director and CEO in multiple subsidiaries representing the appliance, electronic, home warranty, automotive, financial services and specialty insurance businesses of The Warranty Group.

Prior to The Warranty Group, Mike served as Executive Vice President and Operations Officer of Niteo Partners, an NEC Company, specializing in professional services consulting and systems integration.

Mike also spent 8 years as Senior Vice President of Sales and Operations for the east coast electronics retailer The Wiz ($1.3b USD) and 5 years as National Account Manager at Independent Dealer Services, one of the first extended appliance & electronics warranty administrators.

Mike is on the US subsidiary board of HomeServe plc and on the advisory board of the Global Warranty Service Contract Association.
Stacks Image 204
David L. Sulfridge

David is an independent senior advisor, consultant, and broker working with Personal Safeguards Group. David has global experience and deep subject matter expertise in insurance and reinsurance for limited warranties, extended warranties, and service contract programs for consumer and commercial products in multiple market channels and business models.

Most recently, David served as President and Chief Underwriting Officer of RSGUM AfterGuard, part of Ryan Specialty Group Underwriting Managers, where he led the formation of a new cover holder for extended warranty insurance on utility-scale wind turbines.

Prior to RSGUM AfterGuard, David served as Executive Vice President of The Warranty Group (TWG) and Vice President and Director of Virginia Surety Company. He was responsible for operations in the Asia Pacific region including business units in Australia, New Zealand, China, Japan, Malaysia, and South Korea. During that time, he also led the formation of a new joint venture marking TWG’s entry into India, Sri Lanka and Middle East.

Before assuming responsibility for the whole of Asia Pacific, David served as Managing Director of TWG business units in China and Malaysia (separately) after having served as Vice President, Global Business Development. David joined TWG is 2007 as Vice President of Resource Automotive where he was responsible for business development of consulting and outsourced services for automobile manufacturers, distributors, and retailers.

From 1993 to 2006 David held a number of senior management positions at Aon Corporation including roles with Aon Consulting, Aon Financial Institutions Alliance, Resource Dealer Group, and Ryan Insurance Group. Before joining Aon, David spent seven years at Management Directions, Inc. (MDi) where he served as Vice President and Regional Managing Director. At MDi, David specialized in marketing communications and training services in support of the introduction and launch of new products and services for clients in the automotive sector, especially automobile manufacturers, distributors, and their captive finance and insurance companies.


About Us

Our Mission
It is our mission to collaboratively develop and implement innovative solutions for affinity, financial services, manufacturing and retail industries, utilizing warranty and specialty products, designed to support customer acquisition, customer retention and growth.

Our Approach
Our approach is focused on partnering with leading providers to bring together and create unique and high quality solutions that delight the end consumer.

Our Values
We believe everything starts with RESPECT.
We are PASSIONATE about our PARTNERS.
We strive for EXCELLENCE in everything we do.
We believe INTEGRITY is everything.
Stacks Image 11
We Strive to Make a Difference and are Committed to Giving Back to the Community

Press Releases & Announcement