Zurich Cover-More

David Fike was appointed Zurich Cover-More CEO in July 2024.

He leads our executive team and oversees the direction, management and performance of Zurich Cover-More as we focus on bringing together Travel Guard, Cover-More Group and Accident & Health, and strengthening our market position.

David joined Zurich in 2014 as CEO General Insurance Malaysia and later provided critical integration leadership as CEO and Present Director of Adira-Indonesia following Zurich’s acquisition of the Adira organization. Most recently, he was Head of Life, Accident and Health for Zurich North America.

David has more than 30 years of experience in the insurance industry. Before joining Zurich, he held several international senior positions at AIG, Chubb, Ace, Cigna and Prudential PLC. He has held C-suite positions in marketing, operations and underwriting.

Jeff Rutledge took on the new executive role of Global Travel CEO in December 2024 following Zurich’s acquisition of AIG’s global personal travel business, Travel Guard.

Jeff brings a wealth of experience in the global travel insurance industry, having spent more than 25 years with AIG Travel including over 18 years as President & CEO. Prior to signing on with AIG, he began his career in the GDS and airline industry at AMR Corporation in management positions at both The Sabre Group and American Airlines, followed by his role as the senior marketing executive for Delta Air Lines Vacations, operated by Certified Vacations.

Jeff’s experience and knowledge of the global travel and insurance industries are invaluable as we work towards integrating our travel businesses under Zurich Cover-More.

He continues to lead the Travel Guard organization globally while also being responsible for our travel businesses in the Americas and EMEA.

Justin Sebire was appointed Zurich Cover-More APAC CEO in December 2024 in addition to his role of Cover-More Group CFO, a position he has held since March 2023.

In this role, Justin leads our Cover-More travel business in the Asia Pacific region, while working closely with our leadership team to ensure a seamless integration of Cover-More Group into the broader Zurich Cover-More organization.

With an accomplished background as a finance executive, Justin has more than 25 years of global leadership experience in financial services, insurance and consulting in Australia, France, the UK and Japan, working with major insurance companies.

Adrian joined World Travel Protection in 2019 to head World Travel Protection’s global medical assistance business which spans three continents (Australia, Canada and the UK) and involves highly skilled teams of doctors, registered nurses, case managers, and travel and logistics specialists.

Previously Adrian worked with International SOS in Asia Pacific, leading the assistance organization’s business, most recently as CEO Asia Pacific. Before joining International SOS in 2010, Adrian worked as a senior executive for Linfox in logistics and supply chain specialization. He possesses a Bachelor of Economics from La Trobe University in Melbourne and a Masters of Science from the University of Denver.

Emily Yoo was appointed Zurich Cover-More’s Transformation Director in January 2025.

She is responsible for leading and driving the integration program following the acquisition of AIG’s global personal travel business, Travel Guard. She is also focused on driving our M&A strategy and leading Zurich Cover-More’s transformation to deliver our strategic growth ambitions.

Emily is skilled at leading complex transformation initiatives and brings over 25 years of expertise in consulting, transformation, M&A, strategic planning, and operations. She has held senior roles at Bain & Company, Deloitte and Tokio Marine Management.

Emily is also part of the Zurich Group Leadership Team.

Chris Howard has led Zurich North America’s commercial insurance accident and health portfolio since April 2020 and continues to head up this line of business following its realignment to Zurich Cover-More in January 2025.

In this role, Chris is focused on growing Zurich’s position within the US A&H market and creating more opportunity by leveraging capabilities, relationships and customer value propositions within Zurich Cover-More.

As an accomplished insurance executive, he brings nearly three decades of industry experience to our business. Prior to joining Zurich, he held the roles of President of A&H for WNC, a division of Tokio Marine Kiln, and Senior Vice President of Customer Solutions and Affinity Markets at Chubb.

John Dyke joined Zurich Cover-More as CFO in January 2025, bringing exceptional experience, deep company knowledge and a strategic mindset.

In this role, he oversees our overall business’ financial strength and the finance integration planning and transition activities as we bring together our travel and A&H businesses.

He has been with Zurich for over 25 years and has held several finance leadership roles in the UK and US, including CFO, UK General Insurance & Shared Services and Managing Director, UK Personal Lines. Most recently, he was Head of Planning & Performance Management for Zurich North America.

John is also a member of Zurich’s Finance Executive Team.

Tim Braswell was appointed Chief People Officer in January 2025 and leads our global human resources function.

Tim is focused on working with our entire leadership team to mobilize our organization’s operating model and oversees HR integration planning and transition activities as we bring our people together under Zurich Cover-More.

As an accomplished HR executive, Tim brings nearly 30 years of experience across multiple industries and has held positions in the US, Japan, India and Latin America. He most recently served as Chief People Officer at Spire Global Inc., and has held senior HR leader roles at MetLife, Merck, Johnson & Johnson and Hughes Network Systems.

Sonia Kundi assumed the new role of Chief Risk Officer in November 2024.

She is responsible for leading all aspects of Zurich Cover-More’s Risk function, including ensuring Group-wide governance and risk management frameworks are in place and executed effectively. She works to facilitate risk-informed decision-making and promoting risk awareness throughout our organization.

Sonia brings over 15 years of global insurance experience in market and group roles in the United Kingdom, Ireland, Canada and Australia. She joined Zurich Canada as Chief Risk Officer in 2021 and prior to this was VP Global Risk and Innovation at Aviva.

Sadaf Siddiqui was appointed Chief General Counsel in November 2024.

She is responsible for leading our legal function and identifying, managing and mitigating legal, regulatory, and corporate governance risks within our global business’ challenging regulatory environments.

Sadaf brings extensive experience in supplemental insurance with a global carrier, most recently joining from Combined Insurance Company of America, a Chubb company in Chicago, where she held the role of Senior Vice President, General Counsel.

Sadaf also serves on the Zurich North America Legal Services Leadership Team.

Sven joined Zurich Cover-More as Chief Compliance Officer in January 2025.

He oversees Zurich Cover-More Compliance, a second line-of-defence function, with the mandate to protect the business by enabling our people in the first line to identify and manage compliance risk, and to promote an ethics-based culture across Zurich Cover-More.

Sven also serves on the Zurich North America Compliance Leadership Team.

Sven brings more than 15 years of experience and company knowledge to this position, with more than 10 years in Zurich compliance roles. Prior to this appointment, he held various roles within Group Compliance on a local (Swiss market-focused) and Group level. Most recently he held the role as Head of Financial Crime and Group Financial Crime Officer and was based at the Zurich Group headquarters in Switzerland.

Sylvia Evans joined Zurich in August 2024 as part of the Project Lagerfeld IMO Leadership Team, before being appointed Head of Communications, Brand, & Marketing in February 2025.

She is a highly experienced business and marketing leader with over 25 years of global experience in strategic brand development, corporate communications, marketing, and issues and change communications.

Sylvia joins us most recently from Vistra Group, a global professional services and fund administrator, where she was a Partner and Global Head of Corporate Communications, Brand, & Marketing. She also held senior roles at Commonwealth Bank and Cigna Insurance and started her career in government affairs in Los Angeles. She has an MBA and BA, Political Science from University of California, Irvine, and a MPA from University of Southern California.

Farah Rehman has taken on the role of Head of Business Execution.

In this role, Farah works closely with our Zurich Cover-More CEO to drive the achievement of our vision and strategic growth plans for Zurich Cover-More. Farah is also responsible for supporting our businesses in delivering on their strategic priorities and financial plans each year. This includes identifying opportunities across top tier relationships, capabilities, propositions, and customer groups through strong collaboration with each of the businesses. Additionally, Farah drives our sustainability strategy to ensure priorities are accounted for in Zurich Cover-More’s business planning and execution.

Farah brings over 20 years of expertise in the retail insurance industry, beginning her career with AIG’s life insurance business in product development, sales, internal consulting, and marketing. She joined Zurich in 2011 to support the build of Zurich North America’s life insurance business, before serving as the Head of Marketing and Customer Strategy for the Life, Accident & Health business unit for Zurich North America. Farah received an MBA from Rice University with a focus in marketing and consumer behavior, and a BBA in Management Information Systems from the University of Houston.