H. Lincoln Miller, Jr., Group Chairman		USA Risk Group
Linc was the prime mover behind the enactment of Vermont’s captive statute in the early 1980s. He is recognized by the insurance industry as an expert in the formation and structuring of alternative market mechanisms. Linc has taken numerous USA Risk Group clients from conception to full scale operation by using innovative, creative approaches and accessing a network of financial and insurance contacts developed through years of interaction in the alternative and traditional insurance marketplace.
Gary Osborne, President		USA Risk Group, Inc.
Gary, a Scottish Chartered Accountant, presides over the entire USA Risk Group family. He develops innovative alternative and traditional risk strategies and programs for clients and prospects of USA Risk Group. With over seventeen years of experience in the alternative market, he has been involved in the establishment of numerous single parent captives, association captives, risk retention groups, and traditional group insurance programs. He has also spoken at several national industry conferences, served on the NRRA membership committee, and was Treasurer of the Hawaii Captive Insurance Council. He currently serves on the Legislative Committee of the Vermont Captive Insurance Association.
Andrew Sargeant, Chief Operating Officer		USA Risk Group of Vermont, Inc.
Andy, an English Chartered Accountant, has been involved with the formation and management of captives since 1980 when he moved to Bermuda from the U.K. He transferred to Vermont in 1992 and has been President of USA Risk Group of Vermont, Inc. since 1996. With hands on experience in managing both offshore and onshore captives, Andy brings an invaluable insight to all aspects of a captive’s operation. He is currently a Director of the Vermont Captive Insurance Association.
Jeff Kenneson, Senior Vice President		USA Risk Group, Inc.
Jeff, a Certified Public Accountant since 1990, has 18 years experience in the captive insurance industry. Jeff has had experience working for a large broker, a self-managed captive insurance company and for the past 10 years has focus the majority of his time in the creation and formation of captive arrangements ranging from single parents to sponsored facilities to risk retention groups. He is an active participant with the Vermont Captive Insurance Association and other industry associations and has also spoken at several industry conferences  He has been a member of the VCIA’s legislative committee for the past 10 years. Jeff holds the ARM designation which he earned in 1998 and has been a licensed insurance producer in the State of Vermont since 2005. He is a graduate of the University of Vermont with a degree in Business Administration.
Paul R. Newton, Senior Vice President		USA Risk Group of South Carolina, Inc.
As Vice President and Manager of South Carolina operations, Paul is responsible for a portfolio of clients and serves as the primary contact for South Carolina clients and the South Carolina Department of Insurance. Paul earned a degree in Economics at Clemson University and completed a concentration in Accounting at the College of Charleston. A Certified Public Accountant since 1991, he has worked extensively in both public and private accounting and is active in the South Carolina Association of Certified Public Accountants. He is currently a Director of the South Carolina Captive Insurance Association.
Garry Coulter, Executive Vice President		USA Risk Intermediaries, LLC.
Garry has over 30 years experience in the Insurance and Financial Services Industry specializing in Alternative Programs including Captive Insurance Companies, Reinsurance, Self Insurance, Credit Enhancement, Bonds, and TPA evaluation. He has formed, managed, and structured reinsurance for Captive Insurance Companies and Group Self Insurance Programs, and he has worked with Industry and Trade Association Groups (Governmental, Transportation, Banking and Financial, Hospital/Medical and Business) to  develop  membership insurance programs. He has been with USA Risk Group since 2001.
Stuart H. Grayston, President		USA Risk Group (Bermuda), Ltd. USA Risk Group (BVI), Inc. USA Risk Brokers, Ltd.
Stuart is responsible for daily operations in both Bermuda and the British Virgin Islands. He offers 35 years of experience in insurance, reinsurance, and captive management operations in Bermuda and other domiciles worldwide, including Vermont. As the former owner of a Bermuda-based management company and a senior manager at other firms, Stuart brings a wealth of experience to USA Risk Group.
Paul N. Macey, A.C.I.I., Senior Vice President		USA Risk Group (Cayman), Ltd.
Paul joined USA Risk Group in late 2005 as Senior Vice President of USA Risk Group (Cayman), Ltd.  In this position Paul is responsible for managing the Cayman office and dealing with all insurance related activities of client companies under management. Paul has over 15 years of experience in the insurance industry, most recently as Partner and Insurance Manager of JLT Risk Solutions (Cayman), Limited. In this position, Paul was responsible for insurance related activities of client companies, including brokerage insurance technical support and program design. Paul is British and holds the Associate of the Chartered Insurance Institute, England.
Marc J. Lapointe, Senior Vice President		USA Risk Group West, Inc.
Marc Lapointe is Vice President and Manager of USA Risk Group (West), Inc. and is responsible for design, implementation, licensure, and management of captive insurance companies in domiciles throughout the UNITED STATES. Marc has eighteen years of experience in the captive industry and is the founder and developer of CaptiveGuru.com, an industry specific website. In addition, Marc was the author and driving force behind the passage of the Arizona Captive Law, as well as founding and presiding over the Arizona Captive Insurance Companies Association. Marc's creativity and experience in the captive industry, along with the resources of USA Risk Group, will ensure a leading position in alternative risk in the Western United States.
Eric Miller, President		USA Risk Group, Alternative Market Services USA Risk Group Managers, Inc USA Risk Group of the Virgin Islands
Eric Miller has been with USA Risk Group for seventeen years. He has held senior positions with USA Risk Group's mass merchandising operation (NCA) and our managing general underwriting operation. Eric is currently the president of USA Risk Group's Alternative Market Services Division and as such oversees all non-captive operations of the Group. He is also president of USA Risk Group Managers and USA Risk Group of the Virgin Islands. He has created the GapAssist(tm) product and our Decision Tree underwriting software. GapAssist(tm) is a financial service providing uncollateralized Letters of Credit for Gap collateralization. USA Risk Group's Decision Tree software is a web-based, interactive, dynamic, underwriting tool.
Thomas Burns, President		National Computerized Agencies
As the managing principal for all operations of National Computerized Agencies (NCA), Tom oversees and manages all of NCA’s sales, underwriting, service and payroll deduction efforts. Through his management, NCA has grown into a national agency providing its services in 42 states to a variety of organizations and associations. Tom is also a licensed securities dealer and worked for many years as a stockbroker and principal for an NASD member firm. His experience in financial services and insurance services gives him invaluable knowledge of both industries, which benefits NCA’s corporate and individual clientele. Tom has 20 years’ experience in the mass merchandising, group sponsored insurance field. He is knowledgeable in all areas of program administration, including program design, carrier relationships, marketing, payroll deduction, sales and service center operations. In addition to his insurance licenses, Tom holds the Series 24, Series 7, and Series 63 securities licenses.