Professional Expertise

Looking for an expert perspective? At Harford Mutual Insurance Group, our team members bring deep industry knowledge and hands-on experience to their work every day. Whether you’re seeking insights on a specific topic, looking for a speaker, or would like to connect with a subject matter expert, learn more about our experts and connect with them below.

Pauline Bao, fCAS, CPCU

AVP, CHIEF ACTUARY

Pauline Bao has more than 10 years of experience in the actuarial field, working in personal and commercial lines across pricing, reserving, risk management, catastrophe modeling, and predictive modeling. Her passion lies in automation and analytics. She
studied risk management at NYU and holds the designations of Fellow of the Casualty Actuarial Society, Member of the American Academy of Actuaries (MAAA), and Chartered Property Casualty Underwriter (CPCU).

410-617-9886
Bel Air, Maryland/Philadelphia, Pennsylvania

CONTACT PAULINE

Tim Fitzpatrick, GSP, AINS

Director, Loss control

Tim Fitzpatrick is a seasoned Loss Control expert with more than 10 years of experience in the field. He holds the designations of Graduate Safety Practitioner (GSP) and Associate in General Insurance (AINS). His expertise includes property, liability, and workers’ compensation exposures.

443-640-1184
Bel Air, Maryland

CONTACT TIM

Sachin Daftary

Sr. director, policy system architecture

Sachin Daftary has over 30 years of experience in software development, with expertise in policy administration systems and architecture. He began his career in telecommunications at AT&T
before joining Adaptik in 2000, where he helped develop their policy administration platform. This platform, now used by over 600 customers, including Harford Mutual, was integral to Adaptik’s acquisition by Sapiens in 2018. Sachin is passionate about creating software and solving problems. He is also proficient in 20 programming languages.

443-640-1172
Bel Air, Maryland

CONTACT SACHIN

Looking for an expert in another area?

If you’re seeking expertise on a topic not listed here, we’re happy to help. Contact our team to connect with the appropriate Harford Mutual subject matter expert.

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