407-445-2414 info@wrmllc.com

Our Team

Corporate and Management Values

 World Risk Management (WRM) is a proud member of the Ballator Insurance Group. Together, Ballator and World Risk Management provide unique, quality-driven insurance solutions for some of Florida’s largest governments and municipalities.

WRM prides itself on being a leader in the public entity/governmental arena. The WRM staff not only has the knowledge, but has a proven track record of expertise in managing those risks that are particular to governmental entities, especially in the State of Florida.

Knowledge, Experience and Dedication

Our team strives to develop long-term partnerships with our clients in order to identify and implement the most effective means to protect the assets of the organization through proven risk management techniques. Our commitment is reflected in our delivery of industry-leading loss control, claims management and administrative solutions. The WRM executive team has developed an understanding of key risk management issues, trends, histories, and current environments. Sharing our experience and vision allows us to deliver services that are consistent with our philosophy and core business values.

WRM’s management team has an industry wide reputation for professionalism, quality service, knowledge, and client involvement on a daily basis at all levels, plus a genuine commitment to protect and shield employees and property of public entity groups and other businesses.

Executive Staff

Michele Jones


Michele has served as World Risk Management’s (WRM) President & Managing Director since its inception in February 2007. As President, Michele is responsible for the strategic planning, implementation and management of the company and its employees.

Prior to starting WRM, Michele worked for a national brokerage firm for 15 years. Most recently she worked at the Vice President of Operations for the local branch. Michele spent the majority of those years servicing the insurance and risk management needs of public entity’s in the State of Florida. She has extensive experience in all facets of property and casualty insurance, especially as it relates to governmental entities. In addition, she spent the last 5 years in management and human resources for the company.

Michele is a 1991 graduate of the University of Central Florida with a Bachelor of Science in Business Administration – Finance.

Andy Cooper

Senior Vice President

Andy has been vice president of World Risk Management since its inception. Andy is responsible for the marketing, reinsurance & day to day interaction of public entity clients.

Prior to joining World Risk Management, Andy worked for a national brokerage firm for 22 years. Andy spent the earlier years working in the London insurance marketplace where he specialized in both U.S. & U.K. public entity business. Andy transferred to Orlando in 2001 and has concentrated on Florida public entity business ever since.

Andy studied Business at Redbridge College in England.

Debbie Young

Account Manager

Debbie is an Account Manager working on the Public Risk Management Account as well as Non-Profit Insurance accounts. She is responsible for the day to day servicing including answering coverage questions, gathering underwriting information, assisting underwriting team, preparing proposals etc.

Debbie has worked as an Account Manager in the Insurance Industry since 1981 with the past 15 years focusing on Public Entity, Non-Profit and other Governmental accounts. Prior to joining World Risk Management, Debbie worked for a large Insurance broker providing day to day servicing of Public Entity and Governmental Accounts throughout the United States.

Debbie is a graduate of Dunedin High School and attended Hillsborough Community College in Tampa. She has been a member of Association of Governmental Risk Insurance Pools (AGRIP) and Public Risk Management Association (PRIMA).

Joshua Hallon

Vice President

Joshua is a Vice President with World Risk Management . He is responsible for risk management advisory services, marketing, relationship management and future growth initiatives for the firm.

Prior to joining WRM, Joshua worked for a large national Third Party Administrator for 15 years. He spent his early years in various claims administration and claims management roles before transitioning to a Senior Account Executive role. There, he was responsible for the acquisition and implementation of new business accounts as well managing the firm’s delivery of service and assisting clientele in retooling and enhancing their existing claims control protocols.

Joshua is married and the proud father to daughter, Maddison. When not working, he enjoys spending time with his family, golfing. and scuba diving.

Adam Balls

Vice President

Adam is Vice President of World Risk Management. Adam is responsible for client engagement strategy, relationship management, risk management advisory services and future growth initiatives for the firm.

Prior to joining WRM, Adam lead a Property & Casualty Practice for a national privately held broker for their Florida operations. During his 11+ year tenure with this firm he also helped lead their public risk practice with a direct client management role of over a 100 public entities and schools within the Midwest.

Adam is married and a proud father of 3 boys. He is a graduate of Bowling Green State University with a Bachelor of Science in Finance and 3-year captain of the University Golf Team.

He holds several industry designations which include:

  1. Commercial Lines Coverage Specialist (CLCS)
  2. Commercial Insurance Counselor (CIC)
  3. Certified Risk Manager (CRM)
  4. Certified School Risk Manager (CSRM)

Adam holds his 1-20 Surplus Lines License in addition to his 2-20 Property & Casualty License.