A tradition of quality in agency and underwriting services

Fir tree branches, view from the bottom up


For more than 30 years, Cumberland Surety has provided insurance agency and underwriting services for reclamation risks and other categories of surety bonds.

Cumberland works closely with NewBridge Services, Inc. to provide underwriting and claims mitigation services to insurance carriers.

Cumberland also handles a broad book of standard surety business representing several “A” rated national sureties.

Cumberland’s team has more than 75 years of combined experience across the spectrum of surety reclamation including on-the-ground mining and regulatory.


David Alexander Wiley

Chief Executive Officer

David Alexander Wiley in his role oversees the management, direction and performance of KEWA Financial and its subsidiaries including Cumberland Surety. Previously, David was the founder and CEO of Phoenix Coal, and later Nighthawk Gold, taking both companies from concept to trading publicly. David was a founding partner of Raven Hill Partners and he is a former partner of MHI Energy Partners, a private energy and mining company. In addition to his work with KEWA, David is a Director at INI Power Systems.

William H. M. Patterson


William “B” Patterson has been with Cumberland Surety since 1989. He is Cumberland’s most experienced surety underwriter. “B” guides accounts through the submission process, and provides on-going account management.

“B” deals directly with Cumberland’s energy accounts, as well as working with the company’s network of independent insurance agencies. “B” also works closely with NewBridge Services’ field personnel on inspection coordination as well as active construction/consulting projects.

Steve Hohmann

Vice-President – Regulatory Affairs

Steve Hohmann is a respected mining regulatory specialist who acts as government liaison for Cumberland Surety. Previously, Steve was Commissioner for the Kentucky Department for Natural Resources and spent more than 30 years in Kentucky state government.

After working with a small coal-mining firm in southeastern Kentucky, Steve moved to the Department of Natural Resources. Steve became director of the Division of Abandoned Mine Lands. He held that position until being appointed Commissioner of the Department in 2012.

Keith Smith

Vice President – Field Operations

Keith Smith has nearly 36 years of all-around experience in the mining industry. That includes hands-on experience mining experience and an extensive history in the permitting and inspection/enforcement divisions of the Kentucky mining regulatory program.

As a result of Keith’s unique skill set, he performs required on-ground risk analyses in support of the reclamation bonding programs administered by Cumberland Surety. Keith also aids in the coordination of NewBridge Services field representatives.

Don Charlet

Vice President, Administration

Don Charlet has 23 years of agency experience in surety bonding and reclamation project management. Don oversees all aspects of project management and reporting, continuous improvement initiatives, IT systems and internal communications. Previously, Don was a Vice President with Continental Insurance Co where he specialized in P&C underwriting, sales and marketing.

Joe Zaluski

Vice President & General Counsel

Joe Zaluski has worked for 42 years as a legal counselor and litigator on behalf of the mineral and energy industries. He is a specialist in regulatory compliance and environmental law.

Joe represented the Commonwealth of Kentucky before Congress during the passage of SMCRA and drafted a substantial portion of the current Kentucky mining regulations.

Previously, Joe held senior executive/partner positions for 30 years, first as a partner with law firm Wyatt, Tarrant & Combs, LLP, and later as executive vice president for engineering consultancy.

Joe has been heavily involved in virtually every significant SMCRA matter in Kentucky as well as in several programmatic negotiations and litigations with the Federal Office of Surface Mining.

working day in office. two businessmen at work.