Meet the Team

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 2026, 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.

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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