John Bone

Senior Advisor Risk & Insurance
Farmington Hills, Michigan | Risk and Compliance

As necessary provide AP a forty year experienced senior risk & benefits consulting expert with proficiency in all areas of sophisticated traditional and alternative risk financing, loss control, financial modeling, contractual analysis, due diligence, and claims/litigation management. Engagements have included various staffing/PEO, retail, manufacturing, gaming/hospitality, property management, and governmental, entities.

For over twenty years have held the chief risk officer position for companies with annual revenues in excess $5.0 Billion and + 50,000 employees on a multi-state and international basis.  Since 1995 appointments have included senior risk management/group benefits positions at four staffing/PEO firms (Amstaff, Vincam Human Resources, USPersonnel, & AccessPoint). Prior employment includes positions as director risk mgt. & benefits (privately held conglomerate), a risk manager (international manufacturer) and two Native American tribes. Prior to entering the risk & benefits industry worked as the branch claims manager for two large commercial insurers, Progressive Insurance & Maryland Casualty (successor to Zurich Ins. N.A.).

Primary areas of focus include all aspects of traditional risk management concepts including:  project & departmental development, merger & acquisition due diligence, complex insurance placement/submissions, captive/self funding feasibility studies, insurance terms & vendor contract analysis, loss control, regulatory compliance (OSHA, EPA, ERISA, COBRA, HIPPA, etc.) and complex claim mitigation management.

In addition, to casualty insurance & risk background have acted as the senior financial resource for all forms of employee benefits, i.e. group health, dental, vision, life, STD, LTD, Voluntary & Statutory Benefits including workers’ compensation and state specific occupational health plans.   Experience includes a broad understanding of group insurance underwriting models, reinsurance for self funding benefits, and third party administration.

Hometown: Detroit, Michigan


  • Ferris State University – Undergrad degree in Business Administration
  • Completion of the CPCU (Chartered Property & Casualty Underwriter)
  • Walsh College

Favorite Quote:

Never complain Never explain  – Henry Ford II

Fun Facts:

  • Favorite hobby is down hill skiing
  • Favorite sport team are the Red Wings
  •  Favorite vacation destinations are Lake Michigan beaches