Leadership Leadership

Marc E. Schmittlein

Marc E. Schmittlein, CPCU, AAI

President & CEO

Schmittlein brings more than 30 years of commercial insurance experience. He joined CopperPoint on June 6, 2016. Schmittlein was most recently with The Travelers Company as president of its cyber business division and previously as co-president of business insurance. Prior to those roles, he served as president and CEO of the small commercial division known as Select Accounts, a $2.7 billion division of Travelers’ Business Insurance that included workers compensation, business owner’s policy, umbrella coverage and commercial auto. In addition, his career includes leadership roles in commercial divisions of St. Paul Companies and Aetna. Schmittlein holds the designations of Chartered Property and Casualty Underwriter and Accredited Advisor in Insurance. He received his Bachelor of Arts from Allegheny College, Pennsylvania. Schmittlein is active with United Way and has served as honorary chair of the Western Connecticut Chapter of the Juvenile Diabetes Research Foundation (JDRF).

Scott Shader

Scott L. Shader

Chief Operating Officer

In his capacity as COO, Scott Shader is responsible for core business operations in support of strategic initiatives and corporate growth plans. He has extensive experience in commercial lines insurance, including expertise in analysis, building and running businesses with P&L responsibility, product underwriting and oversight of technology. His insurance background spans more than 30 years. Prior to joining CopperPoint, Shader was executive vice president at Endurance Express; he also oversaw contract binding at Endurance Insurance. Before that, Shader was executive vice president at Axis Express Solutions, as well as Axis Capital. Prior to Axis, Shader was with the Hanover Insurance Group where he served as president, Small Commercial; chief operations officer, Commercial Lines; and vice president, Small Commercial and Business Development. He also held executive leadership positions with The Willis Group; St. Paul Travelers Companies; and Hartford Financial Services and Insurance Group, where he helped develop “pay-as-you-go” workers comp as a new product. He holds a Bachelor of Arts in Business Administration, and graduated summa cum laude from State University New York (SUNY) in Oswego, N.Y.

Bob Roland

Bob Roland

Executive Vice President & Chief of Staff

Bob Roland joined CopperPoint in January, 2017, as Executive Vice President and Chief of Staff. Roland has nearly 30 years of experience in the property and casualty industry. With deep knowledge of P&C insurance, he also is a respected expert in data management. He has significant experience in merger integrations, having led more than 15 financial integrations, as well as in strategic systems development, having led more than 20 large-scale systems development projects. His responsibilities at CopperPoint include overseeing total data flow and integration, process improvement and overall strategic capabilities. Previously, Roland served as senior vice president, Corporate Financial and Actuarial Operations at The Travelers Companies. During that time, he also supported business insurance, effectively managing the flow of data throughout the enterprise and to many external reporting functions. While at Travelers, Roland served on the Business Insurance Strategic Leadership group, the CFO Counsel and numerous steering groups. He holds a Bachelor of Science, Management, with Human Resources concentration from the University of Connecticut.

Sara Begley

Sara Begley, CPCU, AINS, CCPR

Senior Vice President, General Counsel and Chief Compliance Office

Sara Begley oversees the Legal & Regulatory Affairs Division, including Workers Compensation Legal Services & Government Relations and the General Counsel’s Office. Sara Begley joined CopperPoint Insurance Companies in November 2008 as Associate General Counsel and became Assistant Vice President, Insurance Regulatory Compliance in 2012. During Begley's 16-year career with the Arizona Department of Insurance, she held several management positions, including deputy director. After leaving the DOI, Sara was in private practice where her clients included SCF Arizona and National Council on Compensation Insurance. She holds a Bachelor of Science degree in business from Arizona State University, earned her law degree from the University of Arizona and has achieved a designation as a Chartered Property Casualty Underwriter (CPCU). In addition, Sara is an Associate in General Insurance and a Certified Compliance Professional. She currently serves on the Board of Directors of the Arizona Property & Casualty Insurance Guaranty Fund.

Yvette Gonzales

Yvette Gonzales

Senior Vice President & Chief Information Officer

Yvette Gonzales joined CopperPoint Insurance Companies in August 2012 as a senior vice president and chief information officer. Gonzales has more than 25 years of experience in the information technology field, and she has been a recognized industry leader for her ability to translate corporate goals, objectives and plans into an actionable IT strategy. In 2014, her team led a successful conversion to a new policy, rating, and billing system for Copperpoint. Gonzales was previously vice president of information services for Shelter Insurance Companies, a regional insurer based in Columbia, MO. At Shelter, her responsibilities included 19 lines of business in P&C, life and reinsurance operations, developing IT strategies to support 1,400 captive agents, and 20 branch offices in 18 states. Gonzales has been recognized as a Notable Achiever for Women in Insurance Leadership. She earned a bachelor's degree in computer science from the University of Missouri and obtained MBA-CIO certification from Boston University. Gonzales is active in the community and serves on the Board of Directors for UMOM.

Ginny Arnett Caro

Ginny Arnett Caro, AINS, AIC

Vice President, Claims Services

Ginny Arnett Caro has more the 30 years experience in medical case management and the insurance industry. She began her career with CopperPoint Insurance Companies in 2000 as manager of the Yuma office. In 2008 she became Director of Claims Management and led the move to centralize claims management into CopperPoint's home office. Caro was promoted to Vice President of Claims Services in 2010. She holds a bachelor's degree in social work from the University of Nebraska, a master's in social work from the University of Missouri and a master's in human resource development and management from Webster University in St. Louis. She is a licensed Property & Casualty producer and has received her designation of Associate in Claims and General Insurance. Caro is active in community service programs and served on the Board of Directors for Valley Leadership from 2008-2014. She currently serves on the Positive Paths Board of Directors.

Jennifer Carrick

Jennifer Carrick, FCAS, MAAA

Vice President, Chief Actuary & Chief Risk Officer

Jennifer Carrick joined CopperPoint Insurance Companies in June 2010. She has more than 20 years of experience as a property and casualty actuary. Prior to joining CopperPoint she was a consulting actuary at IIC, LLC in Atlanta, where her clients included insurance companies, self-insureds, self-insurance funds and government entities. Before that, Carrick held actuarial positions primarily at insurance companies, including Bankers Insurance Company and ACE USA. Her experience includes loss reserve analysis, pricing and product development. Carrick earned a Bachelor of Science degree in Actuarial Science from Drake University. She is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. Carrick also serves on the board for College Success Arizona.

Michael Goldman

Michael Goldman, CPCU, ERM

Vice President, Corporate Development

Michael Goldman joined CopperPoint Insurance Companies in 2013. Goldman brings experience from many insurance disciplines, including underwriting, product development, business development, consulting and analytics. Previously, Goldman managed business insurance underwriting for New Mexico at Liberty Mutual, where he oversaw agency relationships, developed sales strategies and trained and developed an underwriting staff. Goldman also worked for Zurich as an international insurance subject matter expert in the proposition/product development organization and the commercial markets underwriting organization. He was appointed to assist and oversee the implementation of U.S.-based products in markets outside the country including the Asia-Pacific region, European Union, Middle East and South America. He also has worked as a consultant supporting independent agents in the southwestern United States. Goldman holds a Chartered Property Casualty Underwriter and Environmental Risk Manager designations and has served as a contributing editor for The Institutes. He is a graduate of Arizona State University and earned an MBA at St. John’s University in New York City.

Dan Hernandez

Dan Hernandez

Vice President, Operations & Small Business Services

Dan Hernandez began his career with CopperPoint Insurance Companies as a premium auditor in 1995. Since then, he has worked as a claims adjuster, an auditor compliance reviewer and as a team leader for an account services teams. He was a director from 2002 to 2010 overseeing various functions, including CopperPoint's Small Business Center and Customer Contact Centers. Hernandez was named vice president of operations and small business services in 2010. He holds a bachelor's degree in economics from the University of Arizona and a master's in business administration from the W.P. Carey School of Business at Arizona State University.

Dave Mathews

Dave Mathews, CPCU, CIC, CRM

Vice President, Mountain West Agency Services Inc.

Dave Mathews joined CopperPoint’s Mountain West Agency Services subsidiary in 2015 to build on its success by strengthening existing relationships and by adding new agencies as CopperPoint moves into neighboring states. Before joining Mountain West, Mathews worked with top independent insurance agencies in Arizona, western Pennsylvania and Ohio for nearly 28 years. He worked with the Cincinnati Insurance Company as a Commercial Lines Underwriter and Field Director; as Field Director, he was responsible for selecting, training and supervising agencies representing Cincinnati. In addition, he was responsible for selecting and pricing all new commercial lines business, including workers compensation. Mathews led a field-based team of 15 serving agencies and their policyholders. During his 17 years in Arizona, Cincinnati’s business grew by more than $40 million.

Mathews graduated with a bachelor’s degree in Finance from Ohio University in Athens, Ohio, where his father founded an independent insurance agency in 1946 that still operates today as Mathews Insurance. He also has continued his learning throughout his career, earning three insurance professional designations: Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC) and Certified Risk Manager (CRM). He served as President of the Arizona Chapter of the CPCU Society from 2002-2003 after serving in various other capacities. Mathews now is a Director for the Independent Insurance Agents and Brokers of Arizona and is a licensed property & casualty producer in Arizona in adjacent states.

Judy Schumacher

Judy Schumacher

Vice President, Corporate Communications & Governing Board Services

Judy Schumacher is an award-winning Fortune 500 executive with expertise in management, consulting, strategic planning, marketing and advertising. Most recently Schumacher was vice president of marketing and communications for Main Street Restaurant Group, owner/operator of T.G.I Friday's and The Bamboo Club. Prior to that she owned and successfully operated a full-service communications consulting firm specializing in marketing and advertising, media relations, financial communications and issues research. Previously, she was director of corporate communications for Arizona Public Service, the state's largest electric utility. Prior to APS, Schumacher was director of communications and investor media relations with Tosco Marketing Company/Circle K, from 1987 to 1996. She serves on the board of directors for Social Venture Partners in Arizona and has been nominated to the Phoenix Sister Cities Commission.

Phyllis Senseman

Phyllis Senseman, CIC, LUTCF

Vice President, Agency Management & Marketing

Phyllis Metcalf Senseman is a native of Arizona and has more than 25 years of experience in the insurance and financial services industry. She joined CopperPoint Insurance Companies in 2008, where she is responsible for developing and managing the agency retail distribution system including agency relationships, sales strategy, training and development. She also oversees the association safety program in addition to aligning and integrating marketing efforts to support and enhance all channels of distribution. Senseman developed and executed CopperPoint’s successful rebranding campaign.

Senseman received CopperPoint's 2009 President's Achievement award for innovation and leadership. Prior to joining CopperPoint, she spent 18 years with Progressive Financial Concepts, a leading Arizona-based general agency of New England Financial, a MetLife company serving the Southwest, as vice president and marketing director. In that role she developed and implemented marketing, sales, training, recruiting and management strategies to help it achieve award-winning growth and profitability.

Senseman is a Certified Insurance Counselor, a Life Underwriting Training Council Fellow of the American College. She holds a Bachelor of Science degree from Western International University in Business Management and Administration; she is licensed for life, disability, property and casualty insurance and was previously securities licensed by FINRA.

Senseman is a member and past president of the Phoenix chapter of the National Association of Insurance and Financial Advisors, where she was recognized with its highest honor, the Jack Bobo Award for outstanding contributions to the industry; also, she formerly served on Met Life's Women's Advisory Council. She has received numerous production, recruiting and company management recognitions. She is a member and past president of Phoenix Rotary 100 where she led the club to complete its signature Field of Dreams project in South Phoenix within the Murphy Elementary School District.

Senseman serves on the Board of Directors of the Phoenix Boys and Girls Clubs and on the executive board of the Greater Phoenix Chamber of Commerce. She was appointed by the Governor to the Investment Committee of the Industrial Commission of Arizona and serves on the board of the Arizona Insurance Council as vice president.

Mary Ann Sturm

Mary Ann Sturm, CCP, PHR

Vice President, Human Resources

Mary Ann Sturm joined CopperPoint Insurance Companies in December 2004. She has more than 20 years' experience as a leader in the human resources industry. Prior to joining CopperPoint, Sturm worked in several senior human resources management positions including director of human resources for two high tech companies in the Greater Phoenix Area. She received a bachelor's degree from Akron (Ohio) University and her master's in business administration from the University of Phoenix. Sturm is a member of the Society for Human Resource Management and has earned a Professional HR certification and is a Certified Compensation Professional. She also serves on the Cancer Support Community Arizona board of directors.

Chad Welborn

Chad Welborn

Vice President, Chief Investment Officer

Chad Welborn joined CopperPoint Insurance Companies in 2009 as Chief Investment Officer. As the CIO, he is responsible for the overall investment strategy and management of CopperPoint’s $3.5 billion investment portfolio. The portfolio consists of fixed income securities, equities, real estate, commercial mortgages and alternative investments.

He has more than 20 years of investment management experience. Prior to joining CopperPoint, he was the Director of Investments at RLI Insurance Co., a publicly traded property and casualty insurance company. Before that he held portfolio management positions at National City Bank, Merrill Lynch, and First Chicago Bank. Welborn earned an MBA in Finance from Loyola University in Chicago and has a bachelor’s degree in Business from Lake Forest College.

Welborn is a board member for Valley Leadership and Labor’s Community Service Agency. He and his wife, Mandy, have three daughters.

Terry Cavin

Terry Cavin, CCP, CISM, CLU

Assistant Vice President, IT Infrastructure

Terry Cavin has 30 years IT Infrastructure experience in IT Security, Disaster Recovery/Business Continuity, and IT Infrastructure Management, including audit, contracts, and vendor management.  During his career Cavin has directed IT infrastructure activities including the refurbishment of a 6,000-square-foot data center, development of IT security function and initiatives, corporate and IT business resumption, implementation of ITIL processes and all aspects of IT governance. He has lead network teams in development of Data Replication/Data Mirroring, server and application virtualization, Data Center/Network Operations Center(NOC), Sharepoint Infrastructure, DB2/LUW, SqlServer, Websphere on Z/Linux infrastructure, Internet and Wide Area Network Circuits for multi-state operations, and Intrusion Detection/Prevention. His organization included an IT Support Center handling over 65,000 service requests annually, as well as hundreds of application and infrastructure servers and components, and more than 6,000 end user devices. Cavin is a graduate of the University of Missouri-St. Louis, a Certified Information Security Manager with ISACA, and a Chartered Life Underwriter. He helped establish the Carrera Soccer Club in Columbia, Mo. and holds a USSF "C" National Coaching license.

Bipin Chadha

Bipin Chadha, Ph.D.

Assistant Vice President, Data Science and Analytics

Dr. Bipin Chadha has over 25 years of experience in developing advanced analytics, simulation, and optimization models to solve challenging business problems for a broad range of industries and is a recognized expert in this field. He joined CopperPoint in March, 2017 as AVP Data Science and Analytics. He is responsible for applying advanced data science and analytics techniques to all aspects of the business and for developing a roadmap to grow analytics capabilities and its business applications. Prior to joining CopperPoint, Chadha was the first data scientist for USAA, where he helped establish the data science practice, developed numerous analytical, machine learning, simulation, and optimization models for all parts of the financial services organization that helped save hundreds of millions of dollars for the business, informed business strategy, and reduced risk. He has won several awards for data visualization, enterprise level models, and chatbots. Prior to USAA he worked for analytics consulting company NuTech Solutions, computer software company PTC, and aerospace company Lockheed Martin, where he developed a wide range of analytical models for strategic decision support, war-gaming, large system design, cyber-defense, and operational improvements. He has worked on several advanced research programs for DARPA and defense research labs. He received his doctorate in Mechanical Engineering from Georgia Tech, a Master of Science degree from Southern Illinois University (SIU), and a Bachelor of Engineering degree from IIT-Roorkee. He frequently teaches classes at Hallmark University, San Antonio. He has authored more than 50 publications and often is asked to speak at conferences and industry meetings. He is active with United Way and periodically volunteers at food distribution centers with his family.

Tracy Charnetsky

Tracy Charnetsky, AIC, AINS

Director, Claims Management

Tracy Charnetsky has more than 25 years of experience in workers compensation claims management. She oversees the Claims Large Account Teams, serves as the claims liaison for brokers and agents, and oversees claims management of CopperPoint’s other states program and commercial lines third party administrator. She joined the company in 1991 as a claims technician, was promoted to senior claims adjuster, and then became an accounts team leader servicing policy and claims-related issues to key accounts. In 2008 she became a claims manager, and then was promoted to director, claims management in 2016. Charnetsky holds a Bachelor of Science in communications through the University of California, San Diego. Additionally, she holds an Arizona property and casualty producers license and has received her designations of Associate in Claims and Associate in General Insurance.

Victor M. Foggie

Victor M. Foggie, CPCU, ARM

Assistant Vice President, Underwriting

Victor Foggie has more than 20 years of experience in production underwriting, marketing and sales within the insurance industry's small- and medium-markets. From 2003 until joining  CopperPoint Insurance Companies, Foggie worked as a Senior Underwriter for Travelers and in 2005 he was promoted to an Underwriting Director for Travelers Insurance in Walnut Creek, Calif. He managed a book of business that exceeded $100 million and mentored and trained a team of 23 underwriters. In 2007 he helped establish the Small Business Unit in the Sacramento office for Travelers. He began his insurance career in 1988 as a commercial accounts underwriter for the Chubb Insurance Group in Los Angeles and San Diego. His professional designations include Certified Property and Casualty Underwriter and Associate Risk Manager. His commitment to supporting his community led the San Francisco Bay Area's Big Brothers and Big Sisters to award him its 2012 Inspiration Award. He continues to serve as a "Big Brother" today. Foggie is also a board member of ACE Enterprises, a Sacramento-based organization committed to educating, motivating, and inspiring at-risk youth. Foggie received his undergraduate degree cum laude in mathematics at Benedict College in South Carolina and he earned a master's of public administration at Iowa State University.

Bobbie Fox

Bobbie Fox, ARM, CCEP, SPHR

Assistant Vice President, Associate General Counsel

Bobbie Fox represents CopperPoint in legal matters, including employment-related disputes, mediations, in state and federal courts, in appellate actions and contract drafting and negotiation. Fox is licensed in all Arizona state and federal courts and has appeared in numerous federal appellate courts, including the U.S. Supreme Court and the 9th U.S. Circuit Court of Appeals. She also serves as judge pro tem for the Superior Court of Arizona, Maricopa County.

Fox has achieved the designations of Associate in Risk Management (ARM), Certified Compliance and Ethics Professional (CCEP), and Senior Professional in Human Resources (SPHR). She received her a bachelor's degree from the University of North Dakota and earned her law degree from the University of North Dakota. After clerking for the North Dakota Supreme Court, she entered law practice in civil litigation, including insurance defense, employment law, civil personal injury, and Indian law. She joined CopperPoint Insurance Companies in 2004.

Fox is a frequent speaker at the State Bar Association of Arizona, human resources conferences and policyholder events on employment law and compliance topics. She is the author of the Americans with Disabilities Act chapter of the Arizona Employment Law Handbook published by the State Bar Association of Arizona. She currently serves on the Board of Local First Arizona and is a past president of the Board of Directors for the Ronald McDonald House Charities of Phoenix. .

Scott D. Hullinger

Scott D. Hullinger, CDS

Director, Loss Control & Risk Management Services

A graduate of the University of Dayton, Scott Hullinger earned a Bachelor of Science degree in Criminal Justice. He is a member of the American Society of Safety Engineers (ASSE) and also holds the designation of Certified Director of Safety (CDS, fleet). Hullinger is an accomplished professional, consultant and manager, having worked with several national and regional insurance companies. He began his career as a Loss Prevention Consultant covering the state of Arizona. He has extensive experience in commercial insurance; Management/Supervision, Workers Compensation, Auto, Liability, and leading teams across multiple territories and working within agency distribution channels. To enhance his technical knowledge and stay current with industry standards, Hullinger has continued his education with Fleet Safety, OSHA General Industry & Construction, Machine Guarding and Sprinkler System Analysis courses.

Mark Kendall

Mark Kendall

Assistant Vice President, Associate General Counsel

As Assistant Vice President and Associate General Counsel, Mark Kendall oversees CopperPoint’s Legal Services Division. He has been with CopperPoint for over 20 years and is a member of the State Bar of Arizona and a certified specialist in workers’ compensation. Kendall graduated with a bachelor’s degree in political science from Northern Arizona University. He received a master’s in international relations from University of Arizona and earned his law degree from Arizona State University. He also earned a Ph.D. in law and society/justice studies from ASU. Kendall is past co-chair of the workers compensation section of the State Bar of Arizona and of the Arizona Workers Compensation Defense Counsel Association. Kendall, a Valley Leadership alumnus, serves on the board of Children’s Action Alliance and previously served on the advisory board for Kids’ Chance Arizona.

Jim Levine

Jim Levine

Assistant Vice President, Controller

Jim Levine has more than 20 years of finance and accounting experience within the property/casualty insurance industry. Levine joined CopperPoint Insurance Companies in August 2008 as manager of financial reporting and became Controller in February 2012. Prior to joining CopperPoint, Levine held financial management positions at American Reliable Insurance Company (subsidiary of Assurant, Inc.) and Repwest Insurance Company (subsidiary of AMERCO). Levine holds a Bachelor of Science degree in Accounting from Arizona State University.

Diane Liberman

Diane Liberman, PMP

Director, Operations & Small Business Services

Diane Liberman oversees the Small Business Center, Sales and Service team, plus the Customer Contact and Document Control centers. She joined CopperPoint Insurance Companies in 2005 as a manager overseeing several service teams. Liberman has more than 16 years of operational management and customer service experience across diverse industries. While at CopperPoint, she has been instrumental in implementing several customer-facing initiatives, including the Policy Contact Center and Inside Sales team. She received her bachelor's degree from New Mexico State University and is certified as a Project Management Professional. She has earned a master's in Business Administration from Grand Canyon University and she holds an Arizona Property and Casualty producer's license.

Brent McClean

Brent McClean, CPA (OH), CPCU, CLU

Assistant Vice President, Financial Planning & Analysis

Brent J. McClean has more than 25 years of financial experience within the property/casualty insurance industry. Prior to joining CopperPoint Insurance Companies in 2008, McClean was an executive at Nationwide and Horace Mann insurance companies. He holds a bachelor's degree in Accounting from Brigham Young University and is a Certified Public Accountant, and also holds CPCU and CLU certifications. His professional memberships include the American Institute of Certified Public Accountants, Arizona Society of Certified Public Accountants, Chartered Property Casualty Underwriter Society and Society of Financial Service Professionals.

Kathy O’Malley

Kathy O’Malley

Assistant Vice President, Application Development

Kathy O’Malley joined CopperPoint in October, 2015. O’Malley has more than 30 years of experience in property and casualty insurance and 20 years of application development experience. Prior to joining CopperPoint, she worked for Scottsdale Insurance Company (a subsidiary of Nationwide Insurance) as the director of application development and was responsible for the core systems and middleware that supported all submission, policy and claim activities. In this role, O’Malley delivered several key projects that enabled business growth, made significant strides in legacy modernization, and implemented disaster recovery for all critical applications. In her prior role as a business consulting leader for Scottsdale, she led the cross-functional team that delivered the Brokerage Underwriting Transformation Initiative, resulting in significant premium growth for Brokerage Underwriting. O’Malley holds a bachelor’s degree in Computer Information Systems from DeVry Institute of Technology and a IIA certificate in General Insurance.

Tina Rosales-Stoffle

Tina Rosales-Stoffle, CIA, CRMA

Director, Internal Audit

Tina Rosales-Stoffle has more than 20 years of finance and accounting experience within the Property and Casualty insurance industry. Prior to re-joining CopperPoint Insurance Companies in September 2002, Stoffle was an Accounting Manager with Arthur Andersen. At CopperPoint she has been a significant contributor in establishing a new internal audit team within the organization. Stoffle moved into a lead internal audit role and became Director of Internal Audit in March 2013. She is a Certified Internal Auditor and holds a Masters of Business Administration in Finance from Western International University.

Kelly Ruud

Kelly Ruud, CPA, CPCU

Director, Financial Systems

Kelly Ruud joined CopperPoint in September, 2009. Ruud has more than 10 years of financial and accounting experience. Prior to joining CopperPoint, she worked four years in public accounting with Ernst & Young, LLP. She holds a bachelor’s degree in Finance from Arizona State University and a Master’s of Accounting from the University of Notre Dame. Ruud is a Certified Public Accountant and also recently obtained her CPCU certification. Ruud has been a significant contributor to CopperPoint in the implementation of multiple key systems and cross functional strategic initiatives.

Cathy Vines

Cathy Vines

Director, Healthcare Cost Containment Strategy

Cathy Vines has over 30 years experience in workers compensation and medical cost containment. She has a bachelor's degree from Arizona State University and in 2010 completed her master's in business administration from the W.P. Carey School of Business at ASU. At CopperPoint, she has served in various management positions within the Claims Division. She has been responsible for the implementation of many of CopperPoint's claims cost savings initiatives. She has been a member of the American Association of State Compensation Insurance Funds Claims & Rehabilitation Committee. She is a member of the National Council of Compensation Insurance Medical Data Call Committee. Additionally Vines has served as an expert on various Arizona regulatory committees in the evaluation of medical fee schedule issues and methodology, billing issues and evidence based treatment guidelines.

Dan Witt

Dan Witt, AIC, AINS

Assistant Vice President, Claims Management

Dan Witt brings more than 20 years' leadership experience in the insurance industry dealing with workers compensation and commercial auto lines to his role as assistant vice president of claims management at CopperPoint Insurance Companies. He joined the company in 2004 as an accounts team leader servicing policy and claim related issues, and became a claims manager in 2008. Before joining CopperPoint, Witt was a loss control department supervisor and manager for Enterprise Rent-a-Car's West and Nevada Groups, where he led employees in claims management for fleets of vehicles. He later became loss control manager of Enterprise's Heartland Group in the Midwest, managing a team of claims professionals responsible for an automotive rental fleet. Witt holds a B.S. in business administration and marketing through the University of Arizona and earned an Executive MBA through the W.P. Carey School of Business at Arizona State University. Additionally, he holds an Arizona property and casualty producer's license.


Board of Directors

The CopperPoint Insurance Companies Board of Directors provides oversight and strategic guidance by working with the company's executive leadership to assure successful operation of the insurance company and the policyholders it serves. The board comprises five elected members, who serve two-year terms.

CopperPoints's Board of Directors meets regularly and works with the company's President & CEO Marc Schmittlein and the Executive Team to position it for continued success. Board members come from different occupational fields and Arizona locations to provide CopperPoint diverse business backgrounds and broad-based experiences.


Ken Kirk

Chair Ken Kirk

Ken Kirk has a deep background in finance and insurance. He was appointed to the CopperPoint Insurance Companies Board in 2011. He began his career as a CPA with Arthur Andersen & Co. In 1989 he acquired Insurance West in Scottsdale. Kirk merged Insurance West with Brown & Brown Insurance (NYSE-BRO) in 1995, and subsequently served as regional president through 2010. Currently Kirk is the founder and owner of Meridian Financial Holdings, a regional insurance brokerage, providing insurance products and services to business and individual clients. Additionally, he is the founding chair of the Arizona chapter of the Insurance Industry Charitable Foundation.


Stephen Tully

Vice Chair Stephen Tully

Stephen Tully has served on the CopperPoint Insurance Companies Board of Directors since 2010. Tully specializes in complex commercial litigation and is the managing partner of the Phoenix office of Hinshaw & Culbertson, LLP.  He received his J.D. from the University of Arizona, College of Law in 1991.  An attorney for more than 23 years, Tully has represented local and national businesses, major national and regional insurance carriers and their policyholders, home builders, governmental entities and officers, as well as individual claimants. From 2001-2007, he served in the Arizona House of Representatives and was Majority Leader from 2005-2007. In addition, he served on numerous governmental boards including chairman of the Developmental Disabilities Planning Council and vice chairman of the Property and Casualty Insurance Guaranty Fund. Previously he worked for the St. Paul Insurance Company. With a career steeped in insurance and business law, and a longstanding commitment to Arizona businesses, Tully has been instrumental in the Board's leadership and direction.


Ronnie Lopez

Ronnie Lopez

Ronnie Lopez was appointed to the CopperPoint Insurance Companies Board of Directors in 2009. Prior to that he has held a variety of high-level positions in the Phoenix political and business community, including chairman of Phoenix International Consultants, president & CEO of nonprofit Chicanos Por La Causa, chief of staff for Gov. Bruce Babbitt, justice of the peace in Maricopa County and field representative for the Arizona Civil Rights Commission. Lopez also has served as a member of the Arizona Board of Directors of Bank of America. Among his many accolades, the Maricopa Community College Foundation created the "Ronnie Lopez Leading with Heart Award" in 2008, and the foundation has also created an endowed scholarship in his name. Lopez is a member of Valle Del Sol's Profiles of Success Hall of Fame. Lopez was named 1999 Executive of the Year by the Arizona Hispanic Chamber of Commerce. His commitment to public service was first officially recognized in 1975, when he was named one of 'Three Outstanding Young Men of Phoenix' by the Phoenix Jaycees.


LoriAnn Lowery-Biggers

LoriAnn Lowery-Biggers

LoriAnn Lowery-Biggers joined The Navigators Group Inc. in 2009 as President of Field Operations and Chief Marketing Officer. She has more than 25 years experience in the insurance industry, most recently as President of Lloyd’s of London-North America. She previously held executive positions as Risk Management and Financial Products Managing Director and National Practice Leader for Wells Fargo, Vice-Chairman of Wells Fargo Captive Inc., Managing Director, Financial Products at Marsh & McLennan and Sedgwick Inc. Lowery-Biggers serves on the national board of Prevent Child Abuse America and the advisory board of St. John’s University, New York City. She is a board member for the A21 Campaign, Propel Women, Global Advance Inc., and the Heart of a Champion Foundation. She also serves on the Counsel on Litigation Management.


Chair Judith Patrick

Judith Patrick

Judith Patrick was appointed to the CopperPoint Insurance Companies Board of Directors in 1992 and served as  Chair from  2009 to 2014. She is a principal of R.G. Patrick Land planning and Development in Tucson. Previously, Patrick owned companies in the Tucson area, including R.G. Patrick Ltd, HP Tradition Homes, JR Development, Catalina Sail & Marine, and Las Brisas Cable. From 1973 through 2000 she held a variety of positions in Pima County government including the Board of Supervisors, Central Permits, and Building Codes.  She served as the director of Land Planning and Development Services for Pima County from 1991-2000. In addition to Board positions with CopperPoint and Tucson Regional Economic Opportunities, Patrick serves on the Southwestern Fair Commission, and is a member of the Tucson Airport Authority. She also served on the Pima County Self Insurance Trust Fund and the City of Tucson's Public Safety Retirement Board. Patrick is a longtime volunteer and activist on behalf of the Tucson Boys Chorus and the Pima Council on Aging. She is an active member of the National Association of Corporate Directors (NACD) and the National Association of Mutual Insurance Companies (NAMIC). Patrick earned a Certification of Public Management from the University of Arizona and an Associate Degree of Public Management at Pima Community College


Donald A. Smith Jr.

Donald Smith Jr.

With more than four decades of experience in the insurance industry, Donald A. Smith Jr. joined CopperPoint Insurance Companies on June 1, 2000, serving as President and CEO for 16 years. Smith was formerly a deputy secretary in the Commonwealth of Pennsylvania's Department of Labor and Industry. He also spent 20 years in private industry at New York-based insurer Continental, where he began his career. From 1990 until joining the Commonwealth of Pennsylvania, he was vice president and director for the company's Mid-Atlantic region. Smith is a 1974 graduate of the University of Notre Dame and carries the designation of Chartered Property and Casualty Underwriter. He earned his law degree in May 2000 from Widener University School of Law in Harrisburg, Pa., and was admitted to the Arizona Bar in May 2001. From 2004-2006, Smith served as chairman of the board of directors for the Grand Canyon Chapter of the American Red Cross, and he was named the organization's "Humanitarian of the Year" in 2008. As an insurance industry leader, Smith has served on the boards of the National Council on Compensation Insurance, and was a past president of the CPCU Society, Central Arizona Chapter. As an Arizona business leader Smith was named a Phoenix Business Journal Most Admired CEO in 2009, Arizona Chamber of Commerce Transformational Leader of the Year in 2010 and the Greater Phoenix Economic Council distinguished service award recipient in 2011. He is a past Board member of the Greater Phoenix Chamber of Commerce, and currently serves on the executive committee of the Greater Phoenix Economic Council and the Valley of the Sun United Way. He was also the 2011 Valley of the Sun United Way Campaign Chair. He heads the advisory board of the Center for the Future of Arizona think-tank, led by former ASU President Lattie Coor. Smith also serves on the Board of Directors of Greater Phoenix Leadership, where he serves on the state fiscal policy committee.