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Joe Chvasta worked with regulators and reinsurers to create a new captive association and risk retention group, negotiating three reinsurance treaties to support the program. Joe has over 20 years in property and casualty insurance as an underwriter, broker and risk consultant whose past employers include AIG, Aon and Zurich. An attorney by training Joe became a CPCU. Joe has been published by the CPCU Society and Insurance Advocate.