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.

Chris Worley
Chris Worley

Chris’s role in Westwood is that of a Producer, with a focus on helping both agents and clients improve their business.

Chris enjoys helping people, businesses and communities grow and develop, while focusing on the needs and market trends in their particular interest. Working with the team at Westwood makes the transition seamless and effective, while increasing clients’ financial effectiveness, by securing he best product at the best rate.

Prior to Westwood, Chris had an insurance background with Liberty Mutual and AAA subsidiary, Energy Insurance.
Outside of Westwood, Chris builds programming for the development of student athletes at universities, enjoys traveling the world, and fashion.


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 when 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’s 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 is a long term employee of Westwood, who specializes in accounts receivable and payable, maintaining licensing, filing surplus lines taxes and general office duties. Mary’s meticulous attention to detail keeps the company running smoothly.

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
Megan Durant
Megan Durant
Born: Everett Washington
Currently Reside: Norfolk, Virginia
Family: Boyfriend & Daughter
Hobbies: Hiking, skating, any water activity, going to the beach, and spending time with my daughter.

Megan’s role at Westwood includes bookkeeping, surplus tax administration, regulatory compliance and administrative assistance.

When not working, Megan is a full-time student working towards her associate degree in accounting, and a full-time mother. She enjoys spending time with her boyfriend and daughter, particularly outdoors, and traveling – when she can find the time.

Specialties: Accounting, Surplus Tax, Business Processes.


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

Michael serves as President of Westwood Insurance Group. Prior to his current position he served as Vice President of Wholesale Distribution for American Safety Insurance (purchased by Fairfax Holding Company) and Director of Sales for The Westwood Group (purchased by American Safety Insurance). Michael began his insurance career with Provider Alliance, a pioneering risk purchasing group providing professional and general liability to the senior living industry where he worked closely with a small, highly talented group of underwriters, claims specialists and risk managers. Provider Alliance proved to be an exceptional environment to learn and practice all elements related to running a successful insurance operation. Michael graduated from Boston University with a bachelor’s degree in business management.

Why Westwood?
A great group of people supporting an incredible network of commercial agents, all wanting to do their best to help so many clients with different problems.

Outside of Westwood:
Family, helping other people, being on the water, biking, skiing, peace and quiet

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

Articles by Michael


Tracy Cirtus
Tracy Cirtus
Born; Elizabethtown, KY
Currently Resides; Bowling Green, KY
Family; Happily married to Chris Curtis and we have 2 dogs, Franklin and Maggie

Tracy’s role at Westwood includes assisting Michael Richards with new business, account management, and marketing. She thoroughly enjoys working with people and assisting with their insurance needs. Tracy holds a bachelor’s degree from the University of Louisville, with a double major in Management and Marketing. She has over 20 years of insurance experience, and at one time owned her own agency in St Louis, MO for 8 years, before relocating back to Kentucky and joining Westwood.

Why Westwood?
It’s an environment that encourages both personal and career growth. I enjoy the challenge associated with rapid growth and enjoy the support of an amazing, experienced team..

Outside of Westwood:
Tracy enjoys  exercise, cooking/baking, reading and walking/hiking, traveling with her husband of 14 years, Chris and their two dogs, Franklin and Maggie.

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


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.

contact westwood now 

Are you at risk of a major Cyber Attack?

Fill out the form below
for a free, no-obligation,  comprehensive assessment




Click here

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.

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.