
Contact Information
Team Celia
Service or coverage questions, policy changes, claims or quotes for new purchases or exposures.
Auto Changes
New vehicle purchases, Auto ID Cards or any auto related coverages or changes.
Support
Policy documents, proof of insurance, billing inquiries or payments.
Mortgage Updates
Mortgagee or lender changes, proof of insurance, mortgage clause updates.
Claims
File a new claim, obtain claim details or to discuss a claim scenario further.
Celia Santana
President & Chief Executive Officer . Complex issues, of if you have a high-priority concern.

Meet Your Private Client Services Manager:
Rafaela Nowak
_edited_edited_edited.jpg)
Rafaela Nowak brings 19 years of insurance industry experience to her role as Assistant Vice President and Private Client Services Manager at Personal Risk Management Solutions. Known for her calm, detail-oriented approach and deep dedication to client service, Rafaela plays a key role in managing the full client experience—from onboarding and account setup to policy servicing and long-term portfolio management for successful individuals and families.
Rafaela began her career in 2006 in the technical support department at an Insurance Company in Short Hills, New Jersey. Her strong communication skills and curiosity quickly led her into sales and account executive roles, where she developed a well-rounded foundation in both the operational and client-facing sides of the business. In 2015, she pivoted her focus to servicing high-net-worth clients, a move that allowed her to align her strengths in relationship management, responsiveness, and personalized attention with the needs of a more complex and discerning clientele.
Currently Rafaela supports both new business development and ongoing account management. She works closely with advisors and carrier partners to ensure accurate quoting, smooth implementations, and high-touch service throughout the insurance lifecycle.