Tony Cotto is the Director of Auto and Underwriting Policy for the National Association of Mutual Insurance Companies (NAMIC), where he advises member companies on all legislative and regulatory matters related to automobile insurance and risk-based pricing across property/casualty lines.  He frequently represents NAMIC before federal and state policymakers at the National Association of Insurance Commissioners (NAIC), the National Council of Insurance Legislators, as well as individual state regulatory and legislative bodies. He also represents NAMIC at several insurance industry and road safety community organizations where he provides analysis, research, and testimony on priority issues for NAMIC members.

Before joining NAMIC in 2020, Tony served as an Executive Advisor in the administration of Kentucky Governor Matt Bevin, overseeing legislative and regulatory reform efforts across more than 35 agencies and licensing boards, including the Department of Insurance. Prior to that, Cotto advised insurers in private practice as a Managing Associate at the law firm of Frost Brown Todd, which followed a 5-year stint as Financial Policy and Legislative Counsel at the NAIC.  During his decade and a half in Washington, DC, Cotto also served as Counsel to the U.S. Senate Permanent Subcommittee on Investigations advising the ranking member at the time, Dr. Tom Coburn (R-Okla.), and as Associate General Counsel at the U.S. Department of Commerce in the George W. Bush administration. He began his legal career prosecuting whistleblower complaints at the U.S. Office of Special Counsel.

Cotto earned his J.D. from The George Washington University Law School and his bachelor’s degree in political science from Yale University. He lives in Louisville, Kentucky, with his wife and daughter.