MSO Announces Promotions


Glen Rock, NJ – MSO®, Inc. (The Mutual Service Office, Inc.) is pleased to announce a number of promotions in the company’s Program and Actuarial & Statistical Divisions.

Jan Kozlowski

In the Program Division, Jan Kozlowski, MBA has been named Senior Vice President, Programs, Legal, Research, Compliance & Corporate Records. Jan Kozlowski has worked for MSO since 1989. His current duties include identifying and analyzing the needs of MSO’s clients, managing the development, introduction and maintenance of the various personal and commercial insurance products serviced by MSO, and monitoring the effects on the P & C insurance environment from the state and federal regulatory bodies.


Missy Smith

Trish Riggio

Melissa “Missy” Smith, CPCU, API was named Assistant Vice President, National Filing Services and Senior Product Development Analyst. Ms. Smith was instrumental in the national rollout of the MSO Commercial Auto Program and Businessowners Program. Trish Riggio is now Assistant Vice President, Compliance Services and Senior Product Development Analyst. Ms. Riggio handled the full state licensing for MSO and established and maintains the MSO compliance structure for processing MSO’s licenses in all states, as well as ensuring compliance with the regulations in all jurisdictions.

Jane McGraw

Leo Black

In the Actuarial & Statistical Division, Jane McGraw, MBA, ARM has been promoted to Assistant Vice President, Cyber/Enterprise Risk and Statistical Services. Ms. McGraw manages statistical reporting and was a key architect of MSO’s Statistical Plan and Enterprise Risk Management model. Leo Black has been named Director and Senior Actuarial Analyst. He is responsible for loss cost development and modeling for MSO’s property and casualty programs on a national basis.


According to MSO CEO, Jan Scites, “We are fortunate to have such talented and dedicated employees. They have been instrumental in building MSO’s national presence in the P&C industry. They are very valuable members of the team.”

MSO is a national property and casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, contact Sue C. Quimby, CPCU.