Frontier Insurance Company

Frontier Insurance Company continues as a regulated insurance entity under the Rhulen family's control following the parent group's rehabilitation in 2001. The family restructured rather than dissolved, retaining the underwriting entity along with a premium finance company and a claims adjustment firm in Rock Hill, New York. This allows the firm to write specialty commercial lines while managing servicing and claims internally.

Beyond regulated insurance operations, the Rhulens hold a directly managed portfolio of commercial and residential real estate. Assets include the former Frontier headquarters campus in Rock Hill (sold for redevelopment), undeveloped land parcels in Sullivan County, and a residential property in Grand Cayman. The family also holds fine art — including works by John Wesley and Julian Schnabel — and an equine portfolio.

Harry W. Rhulen, the firm's founder and former Chairman and CEO of Frontier Insurance Group, remains the central decision-maker for both the insurance platform and the family's broader asset portfolio. Suzanne Rhulen Loughlin, former EVP and General Counsel, co-manages the family's operational and philanthropic interests through crisis consultancy CrisisRisk and regional board service.

It operates as both — a regulated insurance carrier that also functions as the Rhulen family's primary investment and balance-sheet vehicle. Unlike a conventional single-family office, Frontier retains active underwriting operations and captive service subsidiaries, blending insurance float management with direct asset ownership in a hybrid structure.

Firestorm Solutions, a crisis management and business continuity firm, was originally a Rhulen family venture. It was sold to Novume Solutions, Inc. in 2017. Suzanne Rhulen Loughlin later co-founded CrisisRisk, a separate crisis advisory firm, continuing the family's expertise in risk management beyond the insurance carrier.

The Rhulen family's wealth originates from Frontier Insurance Group's decades of specialty commercial underwriting — focusing on medical malpractice, surety, and other niche lines that generated significant earned premiums before the early-2000s restructuring. The family preserved value through the rehabilitation by maintaining the operating company and its associated service subsidiaries.

Yes. The family operates two separate foundations: the Trevor Loughlin Foundation and the Walter and Judith Rhulen Family Foundation. These are distinct charitable entities operating outside the regulated insurance balance sheet. Suzanne Rhulen Loughlin's board role with Hudson Valley Pattern for Progress reflects additional regional philanthropic engagement.