Embrace the Unexpected
With straightforward advice that sees, and serves, the bigger picture.
WHY THE WYE?
Because water always finds a way. So do we.
The Wye River runs just over 16 miles long through the Eastern Shore of Maryland.
A small and mighty tributary of the Chesapeake Bay, it serves the largest estuary in the United States, encompassing parts of six states, 64,000 square miles, and more than 18 trillion gallons of water.
There’s a reason why we named our company after this formidable force, which feeds a watershed serving more than 18 million people who live, work, and play within its reach.
The river connects our brand to what flows most naturally—a willingness to serve, create, and shape the world as we know it. Whether it’s overcoming obstacles or finding a new way through a complex landscape, we adapt our services to meet the rising needs of our clients.
Our Guiding Values
How we go the extra mile, or off the beaten path, to protect our clients’ potential.
Concern
for Our Communities.
We combine empathy, swift action, and advocacy to support clients through critical moments with care and understanding.
Passion
in Our Approach.
We face challenges with a sense of adventure, fearlessly disrupting the status quo to find the best solution.
Creativity
in Our Solutions.
We embrace an entrepreneurial spirit, harnessing technology, trends, and tools to drive innovative outcomes.
Perfection
Worth Pursuing.
Our drive to be the best is embedded in our DNA. Our pursuit of perfection keeps us on top of our game—so our clients can do the same.
The question isn’t, ‘What does insurance protect you from?’
The real question is, ‘What does insurance empower you to pursue with confidence?’”
—KATIE SANTARELLI
PRESIDENT, WYE RIVER INSURANCE
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Meet Our Leadership Team
Katie Santarelli
President
Katie Santarelli pairs nearly two decades of insurance expertise with deep real estate management and development experience to give every client straightforward advice they can build on. She has directed the placement of builder’s risk programs for multifamily and retail projects and has in-depth experience negotiating insurance requirements in construction contracts.
Recognized as 2025 Woman of Influence by GlobeSt. Real Estate Forum, Katie is shaping the market and driving the multifamily development and construction field to new heights.
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Before joining Wye River Insurance, Katie led the Real Estate and Construction Practice at RCM&D, an independent risk management company that earned a spot within the nation’s top 100 largest brokers of US business.
Katie is a proud graduate of the University of Virginia and a former student at the Johns Hopkins Carey School of Business, MREI program. She is a member of the CREW National Construction Council and serves on CREWBaltimore’s board of directors as a Director at Large. Katie is also a member of The Urban Land Institute, a graduate of the 2020 Greater Baltimore Leadership Program, and holds a CRIS Insurance Designation.
Read Katie’s full story
Rick Mostyn
Chief Executive Officer
As CEO of Wye River Insurance, Rick Mostyn provides his team and clients with strategic counsel and guidance based on his over 40 years of experience in apartment development, acquisition, homebuilding, property management, and construction.
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Before establishing Wye River Insurance, Mostyn held the role of Chief Operating Officer of The Bozzuto Group, one of the nation’s preeminent multifamily real estate companies, which he co-founded in 1988.
During his leadership of The Bozzuto Group, Mostyn gained a comprehensive understanding of the importance and complexity of insurance and risk management needs throughout a real estate project's lifespan, whether at the land development stage, construction phase with controllers, selection of insurance programs, or during a property management takeover.
Mostyn currently serves as Vice Chairman of The Bozzuto Group and is an active board member of Homes for America, a non-profit organization that develops affordable housing. He is a graduate of the University of Maryland and holds a master’s degree in finance from Johns Hopkins University.
Sharie Helfand
Director of Personal Lines
A trusted advisor in personal insurance, Sharie Helfand helps individuals and families find tailored coverage that balances protection and value—so they can focus on what matters most.
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With over a decade of experience at State Farm and Allstate, Sharie has developed a deep understanding of insurance coverages, claims, and industry best practices—and where clients often need the most help.
Her ability to address complex insurance needs with both strategy and care makes her an invaluable resource for Wye River Insurance clients.
She specializes in optimizing coverage while controlling costs, ensuring that every client receives a well-structured, high-value insurance portfolio designed for long-term financial security and peace of mind.
Sharie holds a background in business management and art history from Stevenson University and Rollins College, bringing a diverse perspective to her work. Beyond her professional achievements, she is deeply committed to community service and the proud mother of four. When she’s not advising clients or leading her team, she’s dedicating her time to the people and causes close to her heart.
Danielle Harris
Director of Commercial Lines Marketing
A strategic insurance leader with a deep understanding of risk across industries, Danielle Harris brings over two decades of expertise in brokerage, underwriting, and client advocacy.
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With a career spanning government contracting, non-profits, technology, manufacturing, and professional services, Danielle has built a reputation for delivering tailored insurance strategies that help businesses mitigate risk and maximize opportunity. She is passionate about cultivating long-term client relationships and ensuring that every coverage decision is informed, strategic, and built for lasting success.
Danielle holds a Bachelor’s degree in Business Management and Marketing from Boston University and a Master’s in Management from the University of Maryland University College.
Beyond her career, Danielle is just as skilled in the kitchen as she is in the boardroom—she’s a Certified Chef, accredited by the Cambridge School of Culinary Arts, and an avid golfer who enjoys hitting the fairways whenever she can.
