Andrea Luoni has more than 38 years of experience in the insurance industry and has been the CEO and founder for Premium Rate Analysis, Inc. DBA: RateCraft since 1996. Andrea has extensive experience in consumer advocacy on commercial insurance and group health insurance, analytics, business development, marketing, risk assessment and negotiating insurance contracts. Ms. Luoni experience is broad including national and international risks, manufacturing, distribution, transportation, construction, bio hazard, life science, service industry, hospitality, agriculture, automotive and non-profit risks. Ms Luoni has successfully negotiated over 1200+ projects with average savings of 30%.Prior to the founding of RateCraft, Ms. Luoni was a commercial insurance executive with Westland Insurance Brokers in San Diego, a leading insurance brokerage firm focusing on medium to large commercial accounts as well as a broker for a national brokerage firm Fred S James. Ms. Luoni has worked with many of the national brokerage firms throughout the U.S such as Lockton, Marsh, AJ Gallagher, AON and Brown & Brown.She began her career at Barney & Barney one of the largest independent insurance brokers in San Diego while attending college and was recognized as an ambitious asset and moved up through the company to become a licensed sales agent and later consulted Insurance agency in client retention and operations.Ms. Luoni has written a monthly column for the San Diego Apartment Association and had numerous speaking engagements with local business groups and as a guest on 760KFMB talk radio.If not pursuing the endeavors of consumer advocacy in the insurance sector you will find Ms. Luoni enjoying an active lifestyle competing in triathlons, running, and surfing around the world, or playing Mom to the love of her life, her daughter.