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.
Mike Frosch
President & Founder
Mike Frosch is a veteran insurance executive and industry leader with over 25 years of experience across the warranty, service contract, and contractual liability insurance sectors. As President and Founder of Personal Safeguards Group, LLC, and President and Founder of Meramec Secure®, Mike delivers specialized consulting and brokerage solutions to original equipment manufacturers (OEMs), retailers, service providers, and solution providers that are developing or expanding guarantee, warranty or insurance-backed programs.
His expertise spans the full lifecycle of program design, underwriting, compliance, and distribution. Mike is particularly recognized for his in-depth knowledge of contractual liability insurance policies (CLIP) and for helping clients develop embedded insurance and protection products that foster customer engagement and operational scalability. Through his leadership at Meramec Secure, Mike focuses on delivering compliant and efficient CLIP placements tailored to the specific needs of each client.
Mike has held significant roles with a range of industry-leading companies. He served as President of The Warranty Group and Chairman and President of Virginia Surety Company, overseeing global business units and all lines of business, including specialty insurance and warranty solutions for major brands worldwide. He has also held senior executive roles at Niteo Partners, Tanning Technology, and The Wiz.
In addition, Mike has previously provided strategic guidance as an Independent Director on the US Board of Directors for HomeServe USA, as a Board Advisor to AUL Corp, and as an advisor to Asurion's ServiceBench unit. Mike continues to provide support to several insurtechs, solution providers, service contract providers, investment firms, and insurance carriers, supporting product and program development and implementation across various sectors, including consumer electronics, automotive, home services, and financial services.
A respected voice in the industry, Mike frequently shares insights on regulatory developments, capital markets, and emerging trends in the guarantee, warranty, and service contract space. He holds multiple insurance licenses and professional credentials and is known for his integrity, passion for partnership, and commitment to delivering excellence for his clients.
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