Management Team


R. Ray Pate, Jr., Chief Executive Officer


Mr. Pate is the Chief Executive Officer of the Company. From January 1996 to September 2005, Mr. Pate was the President and Chief Executive Officer of NCRIC Group, Inc., where he directed the company to a successful public offering in 1999 and a subsequent merger with a large professional liability insurance company.

Mr. Pate served as a capital advisor to insurance companies from 2005 to 2011 as an Executive Vice President for a London based reinsurance intermediary know as BMS Group, Ltd.

Anne K. Missett, President and Chief Operating Officer


Mrs. Missett is the President and Chief Operating Officer of the Company. Mrs. Missett has over 25 years experience in the insurance industry with primary focus on business operations, product development, and sales & marketing.

Her career began with Blue Cross and Blue Shield where she worked for various Blue plans for 17 years. Mrs. Missett served as Senior Vice President of Marketing and Underwriting for NCRIC, Inc, where she worked closely with Mr. Pate.

Ashley Hester, Director, Underwriting and Product Management


Ms. Hester is the Director of Underwriting and Product Management for the Homeowners and Dwelling lines of the Company.

From May 2003 to August 2008 Ms. Hester worked in the heavy construction industry with a focus on warranty administration for multiple manufacturers. She holds a Bachelor’s in Business Administration with a concentration in Risk Management and Insurance.

In 2008, Ms. Hester joined Americas as a Senior Underwriter after completing an insurance internship in London, U.K for multiple reinsurers and run-off companies. Ms. Hester has received numerous scholarships and distinctions for leadership and insurance studies, including recognition from NAIFA in 2007. In 2011, Ms. Hester was recognized as a distinguished alumni of her University and appeared as a guest speaker for the induction of a new university president.