meet the team

Westwood’s team of insurance specialists have an in-depth knowledge of the medical industry and understand the unique risks and challenges that businesses face.

Michael Richards
Michael Richards
Born: Cleveland, Ohio
Currently Reside: Fort Myers, Florida
Family: 3 adult children
Hobbies: Skiing, Biking, Boating

Working in the specialty chemical business supporting heavy manufacturing for 18 years before a career in insurance served as great training ground for Michael. Serving a variety of businesses and industries introduced him to creative business thinking and processes he brings to Westwood in his role as business manager.

As a result, Michael helps Westwood differentiate by listening and responding to client’s problems with a more holistic approach.

Specialties: Long Term Care, Allied Health, Physicians, Cyber, Captives, Alternative Structures, Third Party Claims Administration

Articles by Michael


Dale Nelson
Dale Nelson
Born: Fremont, Nebraska
Currently Reside: Black Mountain, North Carolina
Family: Wife Gina, son Lee Nelson and daughter-in-law Brenda
Hobbies: Wine, Golf, Travel

Dale Nelson joined Westwood in 2019 after he and his wife Gina decided to leave sunny (humid) Florida to build their dream home in Black Mountain, NC. Both Dale and Gina are wine aficionados. Gina was in the wine business for many years in Florida. You might guess their favorite travel destinations is to wine-growing regions, especially France. On weekends their other favorite pass time is golf. Dale has a son Lee in Omaha, NE and when they are together it is usually for Nebraska Cornhusker football and golf.

Dale started his insurance carrier after college with The Hartford. He also spent several years with CNA which allowed him to branch into the Medical Professional Liability area of Insurance. This has been his passion ever since, specializing in the healthcare niche. He thoroughly enjoys the long-term relationships he has developed with insurance carriers and retailers. Having worked for carriers, retail and brokerage gives Dale a great perspective of managing all relationships. Helping agents solve problems for their clients, being an extension of their agency when needed and providing responsive service feeds his enjoyment of his long-time brokerage career.

Specialties: Home Health Care, Nurse Staffing, Long Term Care, Hospitals, Physicians, Treatment and Outpatient Facilities, Cyber Security

Articles by Dale

Elizabeth Cappabianca
Elizabeth Cappabianca
Born: Youngstown, Ohio
Currently Reside: Northfield, Ohio
Family: Husband and Daughter
Hobbies: Walking the dog, reading, crafting with my daughter, cooking/baking, spending time with family and friends

Elizabeth Cappabianca joined Westwood Insurance Group in May of 2016. Currently her role includes assisting Dale Nelson with items such as marketing new business, processing proposals, binders, policy documents, and endorsements. Maintaining agent and carrier relationships is her strong suit and what she enjoys most about her role.

Elizabeth holds a bachelor’s and master’s degree in Education from Kent State University. Previously, she taught high school then moved on to various roles at several local universities. Currently Elizabeth resides in Northfield, Ohio where she lives with her husband, daughter, and beagle named Spud.

Specialties: Submissions, Policies and Endorsements, Claims, Loss Run Requests, Invoicing, Carrier Marketing, Account Inquires


Mary Brady
Mary Brady
Born: Cleveland, Ohio
Currently Reside: Cleveland, Ohio
Family: Husband, Five Children (all married), 9 Grandchildren
Hobbies: Being with family, outdoor games, drawing, travel

Mary joined Westwood Insurance Group in September of 2012. Her role at Westwood includes accounts receivable and payable, maintaining licensing, filing surplus lines taxes and general office duties.

When not working, Mary enjoys walking and family game nights and spending time with her grandchildren. She is also very involved in her church and has taught Sunday School to third grade girls for over 30 years.


Specialties: Accounts Payable, Accounts Receivable, Licensing, Payroll, Credentialing, Mail Processing
Laura Emanuel
Laura Emanuel
Born: Mobile, Alabama
Currently Reside: Mobile, Alabama
Family: Husband and 2 dogs
Hobbies: Spending time with family and friends, traveling, going to the beach, playing and coaching volleyball

Laura Emanuel joined Westwood in October 2022 after spending 10 years in the Agency side of Property & Casualty Insurance. Currently her role includes marketing new business, processing proposals, binders, policy documents, and endorsements. Providing prompt and efficient service to our agent’s and carrier’s is her number one goal.

Laura has a passion for volleyball, she has been a head coach at a travel volleyball club for over a decade. She also officiates high school volleyball. Her and her husband are active in Mardi Gras Organizations and with the Alabama Deep Sea Fishing Rodeo. Laura enjoys spending time on the water boating and fishing or simply relaxing at home with her two Pitbull dogs named Kane and Abel.

Specialties: Submissions, Policies and Endorsements, Claims, Loss Run Requests, Invoicing, Carrier Marketing, Account Inquires.


we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

please feel free to contact us 24/7


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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

insurance for physicians

The different types of insurance for physicians includes medical malpractice insurance, professional liability insurance, errors and omissions insurance, an umbrella policy, and professional indemnity. As a physician, you should have access to all of these types of insurance.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ's

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.