Vidal joined the MDW Insurance Group in 1993, specializing in Habitational Risks, Professional Liability, and all exposures related to the medical field. He began his insurance career in 1970 as a personal lines underwriter and claims administrator for large accounts. He graduated from Florida International University with a Bachelors degree in Business Administration. He is licensed in all areas of life and health, Property and Casualty, and other major lines of insurance.

Ernesto has over 39 years of experience in the insurance industry. He joined the MDW Insurance Group in 1994 specializing in commercial accounts with emphasis on mercantile, professional liability, export/import distributors, dentists, and financial institutions. Ernesto graduated from Florida Atlantic University with a Bachelors degree in Business Administration and holds the prestigious designation of Accredited Advisor in Insurance (AAI) from the Insurance Institute of America. Ernesto is past president of the Latin American Association of Insurance Agencies.

Emilio started his insurance career in New Jersey in 1998 as a Personal Lines Agent. At MDW, Emilio specializes in the construction, artisan, and the marine industry. Emilio is an active member of the Latin Builders Association, Builders Association of South Florida, and serves on the Board of Directors of the Biscayne Bay Kiwanis Club.

Carmelita's insurance career began over 15 years ago, and she now specializes in construction, commercial real estate, and hospitality related risks. Prior to joining MDW, Carmelita was a Commercial Insurance Specialist for Brown & Brown Insurance/HBA Insurance Group, Inc., in Miami. She obtained an Associate Degree in Business Administration from Miami Dade College and serves on the Board of Directors for YWCA of Greater Miami Dade, Inc. Carmelita is also a member of Business Network International and Club Miami Dade, Inc.

Following graduation from law school, Justin worked in the London Insurance Market with RKH Insurance Brokers where he was able to gain hands-on insurance experience working with Lloyd's of London brokers and underwriters. Justin is a fully licensed agent in all designations of Florida insurance including life and health, property and casualty and surplus lines. Justin earned his Bachelor's degree from Northwestern University and his J.D. from the University of Florida.

Prior to joining MDW, Jorge was a Sales Executive for USI Insurance Service. Jorge has worked closely with clients from a diverse set of businesses, with an emphasis on the Real Estate, Life Science, and Nonprofit organizations. Jorge is a graduate of Florida State University's School of Business with a Bachelor of Science degree in Risk Management / Insurance. Jorge has been involved with various organizations, including serving as a Board Member for Leadership Broward Foundation (LBF), a nonprofit organization. Through his involvement with LBF, he was instrumental in the success of Emerge Broward (EB), the 600 member young professionals program of LBF. For EB, Jorge served on the Executive Board as the Develop Co-Chair, and a second term as the overall Program Co-Chair, of the organization.

Karen Warner has joined the MDW Executive Benefits Division as a consultant specializing in Life, Long Term Care, Health and Annuity products. In her role as an advisor for the division, she will help custom design executive benefits and group employee benefits plans for business owners and executives.

Karen graduated from the University of Colorado with a Bachelors Degree. She is an active member of the community who is involved in the Jewish Museum of Florida, Community Partnership for the Homeless, National Council of Jewish Women, Project Pet, Inc., and the Miami Finance Forum.