Dick has more than 30 years of experience in the risk management industry. He has provided services to his clients as a risk management consultant, an insurance company executive and insurance broker.

During most of his career, he has specialized in Alternative Risk Techniques such as trust funds for self-insurance programs, single parent and captives, group captives, risk retention groups, and public agency pooling arrangements. His activities in this field have included feasibility studies, captive formation, operational analyses of captive operations, and active participation in the deliberations of captive boards and committees.

Much of his experience has been in the Healthcare Industry which began when he conducted a feasibility study leading to the formation of Multihospital Mutual Insurance Company (MMI), a Bermuda mutual company that grew to become a major insurer of healthcare organizations. Dick has had the opportunity to provide project by project consulting services to a large captive that provides liability insurance to several east coast teaching hospitals and their respective medical schools.

He is currently providing Attorney-in-Fact services to a Reciprocal Risk Retention Group that provides liability insurance to a number of hospitals in the intermountain west. These services include the management of service providers that are providing claim management, clinical risk management, captive management and actuarial services to the RRRG.

He has performed consulting projects and provided brokerage and insurance company services to a variety of healthcare organizations including physician groups, stand alone hospitals and major hospital systems throughout the country. The consulting projects have included insurance reviews for bond indenture requirements, workers’ compensation self-insurance feasibility studies, comprehensive risk management audits of individual hospitals and health systems, risk management organizational studies and captive feasibility studies.

Dick was actively involved in the early formation of Associated Electric and Gas Insurance Services (AEGIS), an association captive which now insures the liability exposures of most of the country’s gas and electric utilities. He has performed various consulting projects for this industry, including Probable Maximum Loss (PML) studies at electrical generating facilities, insurance reviews, captive feasibility studies and risk management audits.

In addition to his healthcare and utility experience, he has been involved in captive insurance operations for organizations in other industries such as manufacturing, real estate, and universities. His work with public agencies has included school districts, cities and counties as these organizations seek to share their exposures in a pooling or captive arrangement.

Dick has served as an Advisor to the states of Hawaii and Nevada for the purpose of reviewing submissions for captive insurance companies for the respective Insurance Departments.

He has a Bachelor of Science in Fire Protection and Safety Engineering from Illinois Institute of Technology. He was the first Governing Chairman of the Risk Management Section of the Society of CPCU and he has been a presenter at various conferences, including RIMS, ASHRM, CICA and CPCU. He has authored several articles such as Improved Coverages and Lower Costs and Competitive Bidding, both in Modern Healthcare Magazine, and Captives in the Healthcare Industry for Perspectives, a publication of ASHRM.

Beth has more than 20 years of experience in the health care and health care risk management industry. She is a graduate of Case Western Reserve University and the University of Iowa College of Law. She completed 30 credit hours toward a Master’s Degree in Hospital and Health Administration at the University of Iowa and is admitted to the Iowa and Wisconsin Bars.

Beth spent her earlier career years in nursing working as a staff nurse and manager of pediatrics at the Cleveland Clinic and University Hospitals of Cleveland, and Rainbow Babies’ and Children’s Hospital. Later in her nursing career, Beth focused on neonatal ICU and was instrumental in starting the neonatal nurse practitioner program at Rainbow Babies’ and Children’s Hospital.

Following graduation from law school, Beth began her career in healthcare risk management. As the risk manager for the University of Wisconsin Hospitals and Clinics, she was responsible for clinical risk management operations, professional liability claim management and workers’ compensation. She managed the hospital’s self-insured retention and worked closely with the State Attorney General’s office in managing all aspects of professional liability lawsuits.

She was the regional vice president at MMI Companies for 8 ½ years serving in that role for the two largest regions of the company. In that capacity, she provided risk management consulting to the company’s insured clients. Her clients included a wide range of healthcare organizations, ranging in size from major multi-state systems, to single state systems, single community hospitals, small and rural hospitals and physician practices. She provided consulting services to clients located in 30 states.

She was Vice President Risk Management and Safe Choice for Baylor Health Care System, in Dallas Texas. In that role she managed the risk finance program for the system, oversaw and participated in the management of the self-insurance Trust and Captive Insurance Program. She was responsible for managing the clinical risk management program for 12 acute care hospitals that range from a large tertiary teaching facility, 5 specialty hospitals, one small community and 5 larger community hospitals.

She had oversight responsibility for all in-house professional liability and employment practices litigation. She also managed the self-insurance program and professional liability claims for 500 employed physicians. Additionally, she managed a small workers’ compensation program for select employees.

Beth was instrumental in persuading the leadership of Baylor Health Care System to opt out of the state workers’ compensation program and in July 2005 the system became a responsible non-subscriber. Beth managed the 20 employees that administrate all aspects of this ERISA Benefit plan for occupational injury. These activities included employee safety programs, employee injury case management, employee injury liability claim management and all administrative aspects of compliance, bill payment and medical management.

Beth has given numerous presentations on risk finance, clinical risk management, and claims management. She has authored articles on risk management and legal topics for MMI publications, the ASHRM Journal, Healthcare Lawyers, and Baylor Proceedings.