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Ernie has experience as an attorney, a merchant banker, and as executive, regulator, and academic in the insurance industry, having been CEO of Seibels Bruce Inc. (a property and casualty insurance carrier then listed on the NASDAQ), Director of Insurance for the State of South Carolina, President of the NAIC, and CEO of the Property and Casualty Insurers Association of America.  He was also a Clinical Professor of Finance at the University of South Carolina, where he taught courses in insurance and risk management.  He is a member of the Board of Directors of MasTec Inc., American Integrity Insurance Inc. and Patriot National Inc. Ernie has degrees in Mathematics and Philosophy and in Law from the University of Windsor.