John Koziol, CLCS

I am a Commercial Lines Coverage Specialist with a passion for helping contractors throughout the Mid‑Atlantic region secure insurance solutions that support long‑term growth and stability. I began my career with Nationwide Insurance, where I built a strong foundation in commercial underwriting, risk evaluation, and contractor‑focused insurance programs. In 2020, when Nationwide transitioned its distribution model, I embraced the opportunity to become an independent agency owner and expand my role as a trusted advisor to my clients.

In October 2024, I aligned my agency with Risk Averse Insurance to focus exclusively on commercial insurance for contractors. This strategic shift allows me to bring deeper industry insight, specialized risk management strategies, and more effective underwriting advocacy to roofing, exterior, and construction professionals.

Outside of work, I am a dedicated family man, married to my wife Maryann, with four children and five grandchildren. I am an avid lifelong learner who enjoys golfing, HO‑scale model railroading, hobby farming, and staying active at Edge Fitness in Pike Creek, Delaware.

I am committed to delivering personalized service, practical guidance, and industry‑specific expertise to every client I serve—helping contractors build stronger, more resilient businesses.