The Team

Our Team

Underwriters, data engineers, and insurance technology veterans building the UW workbench carriers need.

Leadership

The people behind Perilarc

Our team combines deep commercial underwriting domain knowledge with insurance technology engineering experience — the combination needed to build tools that work in real carrier and MGA environments.

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Owen Carmichael, CEO of Perilarc

Owen Carmichael

Founder & CEO

Former commercial UW operations lead at a regional P&C carrier. Specialized in commercial property and GL. Founded Perilarc to automate the submission screening work he watched underwriters do manually for years. Based in New York.

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Sara Melnyk, CTO of Perilarc

Sara Melnyk

CTO

Former software architect at an insurance technology platform. Specializes in ACORD schema processing, policy system integrations, and the data pipeline engineering required for real-time submission scoring at carrier scale.

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James Okafor, Head of Underwriting Science at Perilarc

James Okafor

Head of Underwriting Science

Former commercial lines UW modeler at a regional carrier. Built loss-cost models for commercial property and workers compensation. Leads Perilarc's risk scoring methodology — defining how Verisk, LexisNexis C.L.U.E. Commercial, and ISO signals are weighted and combined.

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Priya Santhosh, VP Sales at Perilarc

Priya Santhosh

VP Sales

Former client executive at an insurance technology vendor. Brings established carrier and MGA relationships across the Northeast and Mid-Atlantic. Leads Perilarc's pilot program engagements and commercial relationships with VP Underwriting and Chief UW Officer buyers.

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Marcus Webb, Product Lead at Perilarc

Marcus Webb

Product Lead

Former product manager at a commercial lines insurtec startup. Focused on UW workbench UX and integration configuration workflows. Responsible for the appetite matrix configuration interface and the submission queue management experience that underwriting operations teams use daily.

How We Work

Domain depth first

Commercial underwriting is a specialized domain. ACORD form structures, ISO class code hierarchies, Verisk and LexisNexis data dictionaries, NAIC regulatory filings — these require years of hands-on experience to understand well enough to build tools that practitioners actually trust.

The Perilarc team brings both sides: underwriting domain knowledge from careers inside carriers, and the engineering depth to build production-grade integrations with the data vendors and policy systems carriers depend on. That combination is uncommon and, we think, necessary to build tools that work in real carrier environments.

Carrier-side experience 3 of 5 team members have worked inside P&C carriers in underwriting, modeling, or operations roles
Insurtec engineering depth Engineering team has hands-on experience with ACORD schemas, Guidewire integrations, and carrier data pipelines
New York headquarters Park Avenue, Midtown Manhattan — accessible to carrier and MGA partners across the Northeast

Work with us

If you have a background in commercial underwriting, insurance technology, or actuarial modeling and want to build tools that practitioners actually use, we want to hear from you.

Get in Touch