Our Mission:
28 Insurance was built on the belief that employers deserve better than the status quo. We are driven by challenging misaligned incentives, creating transparency in a system designed to obscure it, and delivering the clarity, leverage, and strategies employers need to take control. Our team thrives on being relentlessly resourceful. Combining creativity, data, and execution to uncover better solutions, reduce risk, and drive long-term results. Our culture is what sets us apart. We empower our team to think differently, act with urgency, and deliver outcomes that create a lasting competitive advantage for our clients.
Executive Team
Mark Karlie
President & Partner – Employee Benefits
Mark Karlie is the President and Founding Partner of 28 Insurance, with experience in the employee benefits and insurance industry dating back to 2000. With a background in Business Finance and a relentlessly competitive drive, Mark has built his career challenging conventional thinking in a system he believes is fundamentally misaligned. He specializes in helping employers transition from fully insured health plans to strategically structured self-funding models, with a mission to eliminate misaligned incentives, restore transparency, and help employers regain control of one of their largest expenses.
Over the course of his career, Mark has consulted with prominent employers, casinos, and municipalities across the United States, reshaping the way organizations approach their employee benefit programs. He is widely recognized for his resourcefulness, work ethic, and ability to uncover solutions others overlook. At 28 Insurance, the belief is clear—real value isn’t created by following the status quo, but through disciplined execution, data-driven strategy, and a refusal to accept “that’s just the way it is.”
The name 28 Insurance is inspired by Deuteronomy 28, “you will lend and not borrow,” reflecting Mark’s conviction that employers should operate from a position of strength and ownership, not dependence. Mark earned his degree in Business Finance from Fresno State and continues to lead 28 Insurance in delivering forward-thinking, nationally scalable solutions that empower employers to challenge the system, take control, and prove that managing healthcare costs differently is possible.
Casey Kolb
Vice President & Partner – Workers’ Compensation
Casey Kolb is the Vice President of Workers’ Compensation and a Founding Partner of 28 Insurance, bringing over 15 years of expertise in commercial insurance and property & casualty sales. Specializing in workers’ compensation solutions, Casey consults with businesses of all sizes across industries, helping them strengthen, protect, and simplify their insurance programs. His strategic approach ensures that clients receive tailored risk management solutions that enhance operational efficiency and financial security.
Casey holds the Professional Workers’ Compensation Advisor (PWCA) designation, demonstrating his deep expertise in navigating the complexities of workers’ compensation policies and compliance. He is also an active member of SRBX (Sacramento Regional Builders Exchange), further solidifying his industry presence among leading construction and business professionals.
Additionally, Casey is a professional member of ProVisors, an exclusive network of top-tier advisors in the Sacramento business community. This elite group connects employers with the most innovative and trusted professionals across industries, including insurance, finance, law, and HR consulting.
Casey’s leadership and industry expertise play a vital role in driving 28 Insurance’s success, ensuring businesses across the country have access to comprehensive and forward-thinking insurance solutions.
