Vidal joined the MDW Insurance Group in 1993, specializing in Habitational Risks, Professional Liability, and all exposures related to the medical field. He began his insurance career in 1970 as a personal lines underwriter and claims administrator for large accounts. He graduated from Florida International University with a Bachelors degree in Business Administration. He is licensed in all areas of life and health, Property and Casualty, and other major lines of insurance.
Ernesto has over 39 years of experience in the insurance industry. He joined the MDW Insurance Group in 1994 specializing in commercial accounts with emphasis on mercantile, professional liability, export/import distributors, dentists, and financial institutions. Ernesto graduated from Florida Atlantic University with a Bachelors degree in Business Administration and holds the prestigious designation of Accredited Advisor in Insurance (AAI) from the Insurance Institute of America. Ernesto is past president of the Latin American Association of Insurance Agencies.
Carmelita's insurance career began over 15 years ago, and she now specializes in construction, commercial real estate, and hospitality related risks. Prior to joining MDW, Carmelita was a Commercial Insurance Specialist for Brown & Brown Insurance/HBA Insurance Group, Inc., in Miami. She obtained an Associate Degree in Business Administration from Miami Dade College and serves on the Board of Directors for YWCA of Greater Miami Dade, Inc. Carmelita is also a member of Business Network International and Club Miami Dade, Inc.
Following graduation from law school, Justin worked in the London Insurance Market with RKH Insurance Brokers where he was able to gain hands-on insurance experience working with Lloyd's of London brokers and underwriters. Justin is a fully licensed agent in all designations of Florida insurance including life and health, property and casualty and surplus lines. Justin earned his Bachelor's degree from Northwestern University and his J.D. from the University of Florida.
Prior to joining MDW, Jorge was a Sales Executive for USI Insurance Service. Jorge has worked closely with clients from a diverse set of businesses, with an emphasis on the Real Estate, Life Science, and Nonprofit organizations. Jorge is a graduate of Florida State University's School of Business with a Bachelor of Science degree in Risk Management / Insurance. Jorge has been involved with various organizations, including serving as a Board Member for Leadership Broward Foundation (LBF), a nonprofit organization. Through his involvement with LBF, he was instrumental in the success of Emerge Broward (EB), the 600 member young professionals program of LBF. For EB, Jorge served on the Executive Board as the Develop Co-Chair, and a second term as the overall Program Co-Chair, of the organization.
Terry is a licensed insurance agent in the areas of property, casualty, life and health. Through his consultative risk management approach to insurance he is able to provide clients with a complete evaluation of their insurance programs to identify current exposures and provide value-add need-based solutions to mitigate the risk. Terry earned his Bachelor’s degree in Business Administration from the University of Florida. Prior to joining MDW, Terry worked as a Sales Consultant in Human Workforce Management. He built strong relationships with C-level management to assess and optimize their organizations internal business processes.
Kirk Colwell has thirty years of experience providing employee benefits to employers across the country focusing on companies with more than 500 employees. He is knowledgeable in all areas of employee benefits including health and welfare plans, qualified retirement plans, deferred compensation and executive benefits.
Prior to joining MDW he was a Senior Consultant with Marsh & McLennan. He has a Bachelors degree in History and English Literature from Hiram College.
J.R. has more than 30 years of experience in the insurance industry with account management, customer service, information technology, sales and management.
In 2004, he began his insurance career as an employee benefits enroller, working for an enrollment company performing extensive enrollments for Perry Ellis, Bethesda Hospital, Boca Raton Regional Hospital, Monroe County among other large groups. He joined American Benefit Partners, Inc. in 2005 performing one-on-one enrollments and client support. His position today has many facets, including account management, client services and support, operations and renewal marketing. He attended Newberry College studying business administration where he was a soccer letterman.