Sandy is the Deputy Commissioner of the Captive Insurance Division of the Vermont Department of Financial Regulation.  As the leader of the Division, she is responsible for the administration and regulation of captive insurance companies and risk retention groups.  Since 1997, Sandy has had a successful career regulating captive insurance. She was appointed as Deputy Commissioner effective September 1, 2022, after serving as a principal staff member to her predecessor for 14 years.

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Sandy is a Certified Public Accountant, Certified Financial Examiner, a Certified Public Manager with the State of Vermont, and earned an Associate Professional in Insurance Regulation designation from the National Association of Insurance Commissioners. In 2018, Sandy was a recipient of the Women to Watch Award by Business Insurance for her leadership, expertise, and accomplishments in the captive insurance industry.  

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The 2024 Captive Review Power 50, which recognizes the most influential professionals in the global captive insurance industry, named Sandy at #1.Also in 2024, Sandy was nominated and selected as one of the top 50 female leaders in the captive industry by Captive International.

Julie is the CEO and President of PCH Mutual Insurance Co., Inc. a RRG. Registered in 47 states, PCH provides liability insurance to over 4,300 non-medical residential care facilities. She is an attorney, avid early adopter of innovation, and a passionate speaker on leadership and myriad topics related to long term care, captives and technology. Julie has served on professional and philanthropic boards and committees as an advisor or director, including NRRA and VCIA where she currently serves as Vice-Chair. On consecutive days she lobbied in Washington for The ONE Campaign seeking foreign aid on behalf of the world’s most vulnerable and for NRRA in support of the captive industry. She testified before the Vermont legislature at VCIA’s 2026 Legislative Day. Julie enjoys mentoring and fostering community through meaningful relationships and collaboration.

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With more than 20 years of experience, Kristen Peed has successfully implemented complex risk management strategies that have kept organizations’ assets protected, people safe, resources effectively allocated, while supporting innovation and growth. Currently, she is the Chief Risk Officer at Sequoia, a leading human resources technology platform and advisory services company, and was RIMS 2025 President.  In addition to her risk and insurance management success, Kristen is a highly accomplished captive leader who has experience launching and managing captive programs throughout her career. Prior to Sequoia, she was the Director of Corporate Risk at CBIZ, Inc. She holds the following professional credentials: RIMS-CRMP, AIC, ACI, ARM-E, CPCU, CRM, RPLU.

Dale Sagen is a Vice President, Business Development Leader with QBE Accident & Health where he strives to be the most consistent and innovative risk partner. Dale specializes in medical stop loss captive solutions that are designed for employers and their advisors. He has worked with many unique group captive programs and supported single parent captive owners with expansion into medical stop loss lines of risk. He believes the key to sustainable healthcare costs in America is to bring together best-in-class risk management procedures that control catastrophic risk which in turn diminishes the ever-rising cost of corporate benefits. Having a unique background that ranges from work with a third-party administrator, consulting firms, and stop loss carriers, Dale is well positioned to add value and insight to stakeholders in the employee benefits market.

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He lives near Cleveland, Ohio, and graduated from the University of Toledo.  Dale is an Associate in Captive Insurance through the International Center for Captive Insurance Education as well as a Distinguished Toastmaster.