Who We Are
We Believe There's a Better Way.
The insurance industry has plodded along with mediocre service and confusing, expensive solutions for years. Confluence takes a fresh, different and interesting approach.
Our Story
We founded Confluence to offer only the best available insurance products to our clients in a highly-responsive way.
After decades of collective experience in the insurance industry, our founders joined together based on a common belief that insurance shouldn't be confusing and expensive. A belief that we can provide fresh ideas with the client’s best interest in mind and provide risk management solutions beyond simply selling more insurance. The simple idea that there is a better way to do business is the bedrock of our firm which has fueled our growth and kept us focused on delivering excellence to our clients for more than a decade. And since our stakeholders are our clients, you can count on Confluence to deliver on this promise for generations to come.
Why choose Confluence over another insurance firm?
Experience tells us that large insurance brokers can find it challenging to provide fresh ideas with the clients interest in mind and that smaller agencies have difficulties providing risk management solutions beyond simply selling more insurance. It is no secret that Confluence thrives on interactive relationships at a deep level. Our culture and allows for one advisor to dedicate the time and energy needed for every interaction with his/her client. If you are looking for a highly talented partner to work with you on your insurance program, you will find it with Confluence.
96%
Are you confident? You are not alone. 96% of business owners believe their risk management program can be improved.
88%
The percentage of organizations that called their information security insufficient. Many organizations get hacked in some way and most are unaware of the severity of the breach.
80%
Are you covered? 80% of high net worth families do not have coverage provided by a carrier best equipped to serve them.
Our Promise
We promise to ask thoughtful questions and truly listen to what you have to say. This is the basis of our ability to provide exceptional risk and insurance advice quickly and proactively. Our ultimate goal is to help you make smart, sophisticated and cost-effective decisions. To deliver on our promise, we constantly and continually invest in improving our business model and cultivating our team of talented, experienced advisors who share our relentless commitment to innovate for the betterment of our clients and our community.
Partnership Mindset
We work with you to more accurately identify the risks and vulnerabilities that threaten your business.
Proactive Approach
We anticipate and respond to emerging risk trends so that you stay resilient during tumultuous times.
Premier Insurance Products
We source the best products from the world's best insurance companies so that you're better protected.
Our Leadership
Gary Friedman serves in various strategic and client management roles for Confluence as well as a principal of Peak 360, an enterprise risk management consulting firm.
With more than 25 years of insurance industry experience, Gary has served in various leadership roles with an international, publicy-traded insurance and risk management firm. He has also held sales and leadership roles with prominent technology companies. His passion is always to be a good steward of his clients' interests—watching the business owners’ back, helping him or her make great decisions to align business and risk strategy and solving complex business problems quickly and accurately.
Gary holds a M.S. in Information Systems from the University of Colorado at Denver and a B.S. in Business Administration and Communication from the University of Nebraska. He has completed several prestigious risk management and insurance degrees including: Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Registered Professional Liability Underwriter (RPLU), Accredited Advisor of Insurance (AAI). Gary co-founded ONE which is a collaborative network of insurance firms that aims to broaden the availability and delivery of insurance industry expertise and products across a wide variety of industries.
Gary is actively involved in the community serving and having served on various non-profit boards, committees and hands-on work. He is a graduate of the 1997 Class of Leadership Denver and was honored by the Denver Business Journal’s “Forty Under 40.” He enjoys spending as much time as possible with his family, coaching soccer, exercising, playing tennis, skiing, reading and traveling.
Ryan Maunders serves in various operational and client management roles for Confluence.
Ryan has more than 15 years of insurance experience along with family ties to the industry. Prior to joining Confluence in 2009, Maunders served in sales, operational and leadership roles with various bank-owned insurance firms. He enjoys being the primary contact for all client interactions, giving him direct contact with with every item that flows through the firm. This helps him build close relationships and an intimate understanding of each and every client year over year.
Ryan received his B.A. from Dakota State University in Madison, SD, and he enjoys reading, golf, snow sports and traveling with his wife and children.
Keith serves in a client management, thought leader and industry expert role for Confluence.
Keith is a nationally-recognized insurance professional with over 20 years of industry experience. He has served in high-level, high visibility roles as a President and CEO with both large insurance companies and insurance agencies throughout his successful career. He brings to Confluence a keen understanding and knowledge of the insurance carrier resources side of the industry which will translate to incredible value for Confluence clients.
He has a deep passion for the insurance industry because of the ability to help clients have safer lives and its ability to protect companies and families.
Keith holds B.S. degree in Economics and Political Science from East Carolina University. Additionally he has completed Executive Management education at Harvard University. He enjoys spending time with his family, watching both of his children play basketball at the collegiate level, golf and exercising.
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Gary Friedman serves in various strategic and client management roles for Confluence as well as a principal of Peak 360, an enterprise risk management consulting firm.
With more than 25 years of insurance industry experience, Gary has served in various leadership roles with an international, publicy-traded insurance and risk management firm. He has also held sales and leadership roles with prominent technology companies. His passion is always to be a good steward of his clients' interests—watching the business owners’ back, helping him or her make great decisions to align business and risk strategy and solving complex business problems quickly and accurately.
Gary holds a M.S. in Information Systems from the University of Colorado at Denver and a B.S. in Business Administration and Communication from the University of Nebraska. He has completed several prestigious risk management and insurance degrees including: Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Registered Professional Liability Underwriter (RPLU), Accredited Advisor of Insurance (AAI). Gary co-founded ONE which is a collaborative network of insurance firms that aims to broaden the availability and delivery of insurance industry expertise and products across a wide variety of industries.
Gary is actively involved in the community serving and having served on various non-profit boards, committees and hands-on work. He is a graduate of the 1997 Class of Leadership Denver and was honored by the Denver Business Journal’s “Forty Under 40.” He enjoys spending as much time as possible with his family, coaching soccer, exercising, playing tennis, skiing, reading and traveling.
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Ryan Maunders serves in various operational and client management roles for Confluence.
Ryan has more than 15 years of insurance experience along with family ties to the industry. Prior to joining Confluence in 2009, Maunders served in sales, operational and leadership roles with various bank-owned insurance firms. He enjoys being the primary contact for all client interactions, giving him direct contact with with every item that flows through the firm. This helps him build close relationships and an intimate understanding of each and every client year over year.
Ryan received his B.A. from Dakota State University in Madison, SD, and he enjoys reading, golf, snow sports and traveling with his wife and children.
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Keith serves in a client management, thought leader and industry expert role for Confluence.
Keith is a nationally-recognized insurance professional with over 20 years of industry experience. He has served in high-level, high visibility roles as a President and CEO with both large insurance companies and insurance agencies throughout his successful career. He brings to Confluence a keen understanding and knowledge of the insurance carrier resources side of the industry which will translate to incredible value for Confluence clients.
He has a deep passion for the insurance industry because of the ability to help clients have safer lives and its ability to protect companies and families.
Keith holds B.S. degree in Economics and Political Science from East Carolina University. Additionally he has completed Executive Management education at Harvard University. He enjoys spending time with his family, watching both of his children play basketball at the collegiate level, golf and exercising.
Work with Us!
If you're an experienced insurance industry professional who wants to work for a firm that believes in building real relationships, finding meaning and purpose in our work and providing exceptional service, we'd like to hear from you.