Meet the Team


Spencer Lloyd


As a lifelong boater, Spencer brings more than 50 years of yachting and insurance expertise, along with a passion for customer satisfaction. He grew up on the south shore of Long Island, driving the family fishing boat at age 8, graduating to ocean racing sailboats and ultimately to commanding large motor yachts. As a Captain, Spencer sailed the Atlantic and Pacific Oceans and the Mediterranean and Caribbean Seas (all before GPS!).

His insurance career began when he came ashore in 1985 to start his own agency. Spencer eventually merged his company with a larger insurance organization to provide the best client support system. Along the way, he also owned a “mom & pop” marina where he was the first in Palm Beach County to receive the “Clean Marina” designation by the Florida Department of Environmental Protection.


Arlene Weicher

Senior Vice President

As Vice President of our yacht team within Alliance Marine Risk Managers, I am responsible for assisting in the placement and servicing of insurance for the firm’s luxury watercraft.

A 43 year insurance industry veteran and officer in the Ft. Lauderdale Mariners Club, my experience ranges from Underwriting to Claims.

Together, Spencer and I review our client’s information to determine which companies are best suited to offer quotations for their luxury watercraft. Spencer and I have worked together for more than 15 years. We work as a team to format company quotes and present what we feel is the best coverage plan to suit our clients’ needs. We are also available to assist and guide our clients through any marine claim.


Kate Murphy

Marine Sales Executive

Kate Murphy is a Rhode Island native who has loved boating all her life. Graduating from Miami University of Ohio, with a Bachelor’s of Science in Marketing, she moved to Boston where she worked for several years in the engineering and higher education markets. While in Boston, she received her U.S. Sailing certificate from Courageous Sailing. After working overseas in New Zealand in 2010, Kate relocated to sunny Florida to be in warmer weather. It is here in Florida, she rekindled her love of boating and began working in the marine insurance industry. She is a member of IYBA, Young Professionals of Yachting in Ft. Lauderdale, FL and a Lead Volunteer of Freedom Waters Foundation. With her outgoing personality and strong technical understanding of marine insurance, Kate is able to assist clients in finding the right insurance coverage to meet their needs.


Janice D’Ovidio

Vice President

I am the Account Executive of our yacht team within Alliance Marine Risk Managers. I am responsible for the placement and servicing of our clients’ luxury watercraft. With over 30 years in the insurance industry, and being a Certified Insurance Counselor (CIC), I bring my knowledge and experience to our yacht team as well as my exceptionally prompt, courteous, and professional service to our clients.


Terri Saxon

Vice President

I joined our yacht team within Alliance Marine Risk Managers with over 35 years of marine insurance experience. I am responsible for the placement and servicing of both new and renewal business for luxury yachts, high performance vessels, and charter vessels. I have also been a member of the Ft. Lauderdale Mariners Club for 15 years. My experience in the marine industry allows me to provide our clients with an unsurpassed level of service.


Janice Almetes

Tech Assistant

I joined our yacht team within Alliance Marine Risk Managers as the Tech Assistant. I am responsible for handling the IT needs as well as other administrative tasks. My background as an IT project manager allows me to assist the other members of our yacht team on a variety of tasks, to ensure our clients receive the best service possible.


Adriana Soto

Account Manager

Hello I’m Adriana.  For the last 20 years I have worked in the general personal lines insurance industry including marine.  I have joined Alliance Marine Risk Managers to assist in keeping customer satisfaction on an exceptional level and assisting our valued customers with their insurance needs.  As an active member of the Ft Lauderdale  Mariners Club, I am becoming more acclimated with the marine world and enjoy every aspect of it.


Francisco Prada

Account Manager

As an active member of the Alliance Marine Risk Managers Team, I have always been intrigued with the marine industry. I was born and raised in South Florida and have gained superb knowledge in the insurance industry. I am determined to learn everything I can about the marine division and am prepared to complete all of the necessary tasks to ensure we meet the needs of all our clients. Agency clients like to deal with me because they know I will go above and beyond to meet their expectations.

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Account Manager