Kristen Hand – ARM, CPCU, ARM-E

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Kristen joined ICA in 1999 and is a leading member in the organization.  As a Senior Consultant, her role as a key member of her Client’s Risk Management team is evident in her detailed approach to analyzing risk.  Prior to joining ICA, Kristen began her risk management career at a large private aviation firm. She then went on to work as the Risk Manager for a large public Fortune 500 company based in Manhattan.  Kristen’s risk management background, coupled with her extensive technical training benefits her Clients immensely.  Some of the industries Kristen specializes in are construction and development, commercial and habitational real estate, manufacturing, entertainment, financial institutions and retail.

Kristen holds a Bachelor’s degree in Accounting from Saint Thomas Aquinas College and has furthered her technical studies by earning the Associate in Risk Management designation (ARM) as well as the Chartered Property Casualty Underwriter designation (CPCU) from The Institutes Risk and Insurance Knowledge Group.  She is the co-chair of the Education Committee at ICA and establishes in-house continuing education training and designation programs for all employees,fundamental aspects of ICA’s core values and continuous improvement initiatives.

As a former risk manager, Kristen appreciates the coordination involved in a successful risk management program.  She has developed internal risk management manuals and guidelines for her Clients and their employees. Her favorite part of her job as a risk consultant is being able to dive into her Clients’ operations, understand their risks and implement policies and procedures to mitigate risk, either by transfer to an insurance carrier or contractually through third-party agreements.  She has extensive experience in negotiation of indemnification language and contractual insurance requirements and has negotiated favorable results for her Clients with lenders, public entities and other third-party vendors.

In her spare time, Kristen enjoys traveling with her family, attending New York Yankees baseball games and snowmobiling.  She coaches recreation softball for her town league and is also a Girl Scout troop leader for her daughters’ Cadette troop and Junior troop in the Morris county, NJ area.

Kristen can be reached at and via LinkedIn.

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