Meet the Team

Justin Camara

Portfolio Director, FINPRO

Justin Camara joined Aspen in January of 2010 as a founding member of the Professional Liability department.  Justin is now the Executive Vice President and Portfolio Director of FinPro.  Currently based in San Francisco, Justin has over 28 years of experience dedicated to underwriting these segments.  Justin’s previous work history includes opening the professional liability operations for Tamarack American (a division of Great American Insurance Co.) and Liberty International Underwriters (a division of Liberty Mutual Group) in San Francisco.  Justin began his career with AIG, underwriting professional liability in New York.

Chad Nice

Senior Vice President – Medical Professional Liability Program Manager

Chad is a seasoned insurance professional with nearly 20 years of experience in the insurance industry.  Over the last 10 years, he has specialized in professional lines underwriting and product development with a unique focus on the dental profession.  Since 2014, he has served in various leadership capacities devoted to delivering a best-in-class underwriting and customer experience to stakeholders throughout the dental community.  

In 2022, Chad joined Aspen Insurance, continuing his extensive work in the dental professional liability space.  Chad is currently Program Manager for the Dentists Choice Program. 

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Dr. Adel “Al” Rizkalla, DDS

Head of Dental Professional Liability Risk Management

Dr. Adel "Al" Rizkalla graduated from Georgetown University School of Dentistry with honors in 1988. He also completed a General Practice residency at the Veterans Administration Hospital Center in Washington, D.C. Dr. Rizkalla was the President of the Northern Virginia Dental Society (NVDS) and also represented Northern Virginia for many years as a member of the Executive Board of the Virginia Dental Association (VDA). In 2013, Dr. Rizkalla was appointed to the Virginia Board of Dentistry, and in 2016 he was elected President of the Board.

He has held several positions in the Virginia Dental Association and the Northern Virginia Dental Society including, Continuing Education Chairman, Peer Review Committee Chairman, Executive Committee Chairman, Ethics Committee Chairman and Dental Health and Public Information Committee. He is an examiner for CWC testing agency and previously served on the examination committee of ADEX. Previously Dr. Rizkalla was an OSHA outreach instructor.

 Dr. Rizkalla is a fellow of the American College of Dentists, International College of Dentists, Pierre Fauchard Academy and the Virginia Dental Association. Over the years, and most recently in 2021 and 2022, Dr. Rizkalla has been named a Top Dentist by the Washingtonian Magazine and the Northern Virginia Magazine. Dr Rizkalla teaches Restorative Dentistry, Ethics, and Practice management. Dr. Rizkalla has the honor to represent the American Dental Association on ASHRAE.  He is the recipient of the Lifetime Achievement Award by the Northern Virginia Dental Society.

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Ashley Lacourse

Dental Professional Liability Risk Management Analyst

Ashley Lacourse brings more than 15 years of experience in the dental industry to their role as Dental Professional Liability Risk Management Analyst. With expertise spanning marketing, content creation, and event management, Ashley thrives on delivering innovative solutions under pressure. Ashley’s deep knowledge of the dental profession along with strategic creativity ensures impactful results in every initiative she leads.

Marilyn Valenciano

Vice President, Medical Professional Liability Claims

As Vice President, Healthcare Claims, Marilyn G. Valenciano, oversees and manages both the medical and dental professional liability claims at Aspen.  She has over 20 years of experience in litigation, claims and insurance. Prior to joining the insurance industry in 2010, Marilyn worked as a healthcare defense attorney defending a wide range of healthcare providers in professional and general liability claims in Florida and California.

Marilyn began her claims career with The Doctors Company where she handled medical malpractice and dental malpractice claims for over a decade. She later joined TDC Specialty and ESIS ProClaim, a Chubb Company, where she continued to pursue the defense of healthcare providers. 

Marilyn holds a BS in Health Services Administration from the University of Central Florida and a Juris Doctor, Health Law Concentration, from Nova Southeastern University. She is admitted to practice law in Florida, California and Texas and holds multiple adjuster licenses. At Aspen Marilyn oversees and manages both medical malpractice claims and dental practice claims.

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Barbara Kees

Assistant Vice President of Dental Professional Liability

Barbara Kees serves as the Assistant Vice President of Dental Professional Liability, bringing over 30 years of insurance experience. Her expertise spans training and development, auditing, compliance, underwriting, and management. She currently holds the position ofAssistant Vice President of Professional Liability Dental Underwriting at Aspen American Insurance Company.

Before joining Aspen, she held several roles at CNA Financial Corporation, includingDirector of Non-Standard Healthcare Providers, Underwriting Consultant Director,andSenior Underwriter for the National Dental Program.

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Steve Little

Vice President of Medical Professional Liability

Steve Little, Vice President of Medical Professional Liability, comes with over two decades of dental malpractice insurance expertise. Steve works closely with senior management in the development and implementation of the underwriting policy, marketing and business strategy. As an innovator in underwriting, claims management and risk assessment, Steve collaborates closely with agents to develop strategic solutions that protect dental professionals. Steve blends analytical expertise with a proactive approach to ensure optimal outcomes for clients.

Prior to his career with Aspen, Steve worked with CNA Insurance and XL Catlin as the Underwriter Manager. He is committed to advancing the field of dental risk management through innovation, collaboration, and strategic leadership. 

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Mike Wensel

Assistant Vice President – Medical Professional Liability and Property

Seasoned Sales Underwriting Leader with over 20 years in the Property and Casualty Insurance industry. With a proven track record of aligning leadership, underwriting, and marketing to drive sales and expand market share, Mike’s role will be focused on optimizing operational workflows along with fostering collaboration between leadership and distribution partners to expand current product offerings supporting profitable growth. 

Marie Torres

Dental Professional Liability Underwriter

With over 30 years of experience in the insurance industry, I have spent the last 17.5 years specializing in Dental Underwriting. I am excited to take on a new role as a Professional Liability Dental Underwriter, where I will continue to apply myself.

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