RICHARD L. JOVINO, Director Richard L. Jovino is the Director of Wise Education. He has been in the insurance business industry for 40+ years. Rich is a graduate of St. John's University and attended College of Insurance. He currently owns and operates an agency, Karrich Associates, located in Sparta, NJ, serving both personal and commercial clients. Rich has been active in the excess and surplus lines markets for many years. He has taught a variety of classes including: • I. I. A. • A. R. M. • Excess & Surplus Lines • and a variety of additional P&C courses at Sussex County Community College as well as for other organizations