Company Overview & History

Frates Reinsurance Intermediary was established in 1986 and for over 30 years has worked with all the major reinsurers in the United States, London, Bermuda, Germany, and Ireland. Our guiding principle is to represent our clients in a quality and professional manner.

We enjoy working on difficult problems, we're not afraid to roll up our sleeves and analyze a tough situation to come up with quality reinsurance. We have represented several ceding companies that could not find reinsurance and we were able to do so.

We represent your company in the best possible light, putting together a quality presentation to the reinsurers.

Contact us today.


Albert Amato joined Frates on September 1, 1986 to head up reinsurance. He has over 30 years in reinsurance, which started with American Re-Insurance Company. He served honorably in the U.S. Army, obtained his B.S. and M.B.A. from Fordham University and Senior Management Program Certificate from Harvard University. He has authored "Reference Guide to Reinsurance"…available at Amazon and Barnes and Noble.

Desmond Bohan, SVP/Programs, CPCU, joined Frates in 2004. Considered an expert in program insurance matching Program Managers, Program Administrators, MGAs, MGUs with insurers. He is in constant contact with numerous insurers looking to do programs and knows their ever-changing appetite. He has specific knowledge of the various structures an insurance program can take from an MGA program to a binding authority.

Mason Amato, AVP, Analyzes business opportunities entering Frates. Team leader for internet marketing, targeting program insurance business. Admitted and E&S. We are looking for managing General Agents (MGA), Managing General Underwriters (MGU), Program Managers, Wholesalers. Launched the online mrketplace matching program insurance with AM Best A rated carriers. Makes on-site visits to potential clients. Graduated University of Southern California.

Dina Garafola, AVP has over a decade of experience in the industry and degrees in accounting and business administration. Her current role at Frates includes managing reinsurance accounts, marketing, and human resources.

Bashline & Associates
Don Bashline, F.C.A.S., F.C.I.A., M.A.A.A
For over 25 years, Bashline & Associates has provided actuarial services to Frates.

Financial Advisers 
Grant Thornton, Certified Public Accountant

Actuarial Advisers
Milliman & Robertson, Inc.

IT Services
Technology Systems and infrastructure:Innovative Micro Technologies, Inc., Stamford, CT