About Us

Union Bay Risk Advisors LLC

Our Commitment to Results

Union Bay has access to over 80 insurance companies, so we are confident we can find the right coverage for you.  In addition, we use proprietary technology to search out publicly available information about your current insurance coverage, so if we have contacted you, it is because we are fairly certain you are paying too much for insurance and we can do better.  Give us a try – you will be glad you did.

Who we are

Union Bay Risk Advisors LLC was founded by experienced insurance and technology veterans who believed there was a need for simple, straightforward insurance consultation and advice, and created a better way to purchase insurance.

Our Location

We are based in Princeton, New Jersey, but our founders also have a long connection with the Upper Peninsula of Michigan, a beautiful and scenic area of the Midwest that has seen massive job losses as mines and mills in the area closed for good. A talented and dedicated workforce needed to be connected via technology to the wider economy, and Union Bay is a way to do that. We are proud to offer good jobs with full benefits to the people of Ontonagon County, Michigan, and expect to be growing more American jobs there in the future.

Our Experience

Union Bay is staffed with experienced insurance professionals who understand risk and the insurance marketplace.  We have access to over 80 insurers, and we are certain we can find the right coverage for you.


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DOUGLAS POLLEY has been in financial services for over 30 years. Most recently he spent 20 years investing in event driven equities and distressed credits as CEO and CIO of Noyack Creek Capital and as Partner and Portfolio Manager at P.Schoenfeld Asset Management, a multi-strategy hedge fund. Previously he spent 5 years in the investment banking division of Goldman Sachs and before that, 3 years as a corporate and securities lawyer.

He holds a BA with honors from Brown University, a JD from the NYU School of Law and an MBA from the Wharton School, where he was a Palmer Scholar.



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President and Director

PATRICK SULLIVAN has over 30 years of experience in the insurance industry, as an underwriter at American Financial Group, a corporate attorney at the New York Law firm of Debevoise & Plimpton, and an investment banker at Marsh & McLennan Companies.  From 2007 through 2014 he acted as Senior Advisor to Lightyear Capital LLC on their insurance investments, and during that period served on the Board of Directors of Lloyd's underwriter Antares Holdings Limited and US specialty insurer Houston International Insurance Group. 

Patrick holds a degree in Asian History and Japanese language from Carleton College and a JD from New York University School of Law.  He previously served as President of the Princeton Board of Education and is currently a Trustee at The Learning Cooperatives, an educational not for profit.
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KATIE CUSACK is currently an independent director on the board of Sabra Health Care REIT. Katie had a nearly 25 year career in investment banking, including both client facing and management roles at Goldman Sachs, Credit Suisse and MTS Health Partners. After nearly 10 years in M&A execution roles at Goldman Sachs and MTS, she held management roles at for 14 years at Credit Suisse, including COO of investment banking for APAC and EMEA. During 2021, she served as the COO for Cornell Capital LLC, a mid-market private equity firm.


Katie holds a degree in East Asian Studies and Mandarin language from Princeton University and an MBA from the University of Chicago Booth School of Business. She has been a Trustee of Hudson Guild, a settlement house in NYC, since 2003.



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BUCKLEY RATCHFORD is a New York-based private investor and former Partner at Goldman Sachs. Buckley manages Jackson Square, LLC, which focuses on private investments in credit, equity, and venture capital.  He also acts as a Board Member and Senior Advisor to start-up enterprises in emerging sectors.

In 2012, Buck Ratchford was the sole Founder and Managing Partner of Wingspan Investment Management, LP. a hedge fund with over $1.5 billion in capital under management.  Prior to Wingspan, Buck spent 14 years at Goldman Sachs, where he was a Partner in the Securities Division and ran businesses including Global Bank Loans and Private Finance, Asia Ex-Japan Credit Trading & Private Investing, and Global Credit Distressed Investing. 

Buck Ratchford earned a J.D. cum laude from Harvard Law School and a Master’s degree in International Political Economy from the London School of Economics. He earned his Bachelor’s degree in Government summa cum laude from Dartmouth College.

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JERRY FARRELL has a 40+ year insurance career that spans underwriting, claims, marketing, and alternative risk placement, including at Universal Insurance, among other companies.  He is the founder of Farrell Insurance Associates of Lansdale, Pennsylvania.