3528 Precision Dr.
Fort Collins CO 80528
Jon Kovach is President of Afirm, headquartered in Fort Collins, Colorado. A driven, focused, and motivated leader, he has strategically led the company to become one of the largest North American inspection companies in the industry, more than doubling in size since 2010.
During his more than 25 years with Afirm (formerly US-Reports), Jon has been integral to the company’s continued growth—leading strategic acquisitions, developing new products and expanding key relationships. As President, he holds training and talent development in high regard, which has led to the technical ability for Afirm to run the inspections, loss control, and premium audits departments for insurance companies.
Jon earned a Bachelor of Science in Business Administration from Columbia State University and holds an Associate in Premium Auditing (APA) designation.
Executive Vice President
Steve Heston brings three decades of experience to Afirm. As Executive Vice President, he runs all Loss Control and Risk Services operations for the Loss Control and Risk Services Practice Group. Steve is responsible for field operations, training development, contractors, product development and recruiting efforts within the Practice Group, supervising approximately 300+ indirect reports.
Among Steve’s achievements include several professional designations such as Certified Safety Professional (CSP), Certified Hazard Control Manager (CHCM), Certified Environmental Manager (CEM), and holds a FSR certification in Texas and Arkansas. He has had the honor to serve as an invited speaker at numerous industry events and meetings and has been a contributor to university studies on workplace safety and occupational illness.
Steve is a graduate of Bowling Green State University and holds an Associate’s Degree in Applied Science and a Bachelor’s Degree in Environmental Health.
Mark de Waal
Executive Vice President
Mark began his career in Premium Audit in 1992 after working in the banking and investment industry. From 1992 to 2017, Mark worked as a Field Auditor, Vice President, and President of CWS, Inc. (a regional premium audit service company). Under Mark’s leadership, CWS grew considerably while pioneering an internet based management system that became the leading software application within the premium audit industry. Since joining Afirm, Mark has been part of the executive leadership team, managed sales and marketing, and is currently responsible for the Premium Audit Practice Group. Mark served on the board of the National Association for Insurance Auditors and Engineers (NAIIAE) and was elected President for two terms.
Mark is one who embraces change but always remains steadfast in the notion quality will never go out of style!
A graduate of the University of Illinois at Urbana–Champaign with a BA in Liberal Arts and Sciences with a concentration in Law and Economics.
Senior Vice President
Alan Singer brings more than four decades of experience to Afirm. As Senior Vice President, he is a strategic advisor responsible for building relationships with insurance partners, navigating legal issues, and overseeing the acquisition and integration of new partners into the Afirm family.
Prior to Afirm, Alan spent decades in the construction industry and practicing law, making it a natural fit to move into the inspections industry. He is a member of the State Bar of Michigan and serves as a founding board member of the Pediatric IBD (Intestinal Bowel Disease) Foundation. He previously served on the board of the Jewish Federation and Foundation of Metropolitan Detroit where he was Chairman of its Real Estate division and was a Board member of the Builders Association of Southeastern Michigan.
Alan holds a Bachelor’s Degree in Political Science from the University of Michigan and a Juris Doctor (J.D.) from the University of Detroit, School of Law.
Vice President, Strategic Alliance Services
Debbie Guthrie serves as Vice President of Strategic Alliance Services. Since joining Afirm nearly 32 years ago, Debbie’s responsibilities include the oversight of multiple teams who support Afirm’s premium audit and loss control practice groups, in addition to client special services.
In the capacity of her current role she oversees training and development, recruiting, contractor services, processing and data entry. She also supervises the development and customization of premium audit extension services for clients. Debbie’s decades of experience and loyalty have been pivotal to Afirm’s growth and success. Above all, Debbie values the friendship, support and expertise she has gained over the years from her association with clients and her team members at Afirm.
Debbie is a member of the National Society of Insurance Premium Auditors (NSIPA), and has contributed several educational written articles and presented at several conferences. She is also involved in the Rocky Mountain Insurance Auditors Association (RMIAA) an addition to serving on the PAAS (Premium Audit Advisory Service) Executive Panel.
Associate Vice President, Finance & Director of Emerging Markets
Ryan Parker serves as the AVP of Finance. In addition to leading the Afirm Accounting and Finance team, he performs internal departmental data analysis and audits, and new and emerging market entry activities.
Ryan brings to Afirm more than 15 years of comprehensive experience in both Premium Audit and Loss Control. During his tenure, Ryan has filled essential roles within operations management, training, and mergers and acquisitions integrations in the US and Canadian markets. Ryan applies his honed analytical skills to every task, with a focus on process improvement to maximize value for each of our external and internal clients.
Ryan holds a Bachelor degree in Business Management, specializing in Finance, and a Master of Business Administration with a Graduate Certificate in Applied Finance from Colorado State University. Ryan also served as an advisory board member for the Colorado State University School of Business graduate program.