Joe L. Williams CPCU, Pozmantier, Williams & Stone Insurance Consultants, LLC

Over 59 years as insurance agent/broker and insurance consultant. Former Chairman & CEO of large Houston agency. Extensive knowledge of duty of care of an agent, practices and standards, bad faith, as well as thorough policy analysis and interpretation. Received the highest designation in the industry of Chartered Property and Casualty Underwriter (CPCU). Areas of specialty include Flood and Windstorm; Business Interruption; Worker's Compensation; Texas Workers' Compensation Act rejection; risk management; relationships between agencies and companies. Experienced as media contact for radio, television and news publications as an authoritative source of information about various insurance and risk management topics. Experienced as a teacher and leader of numerous seminars on business insurance at the University of Houston and for CPA's and bankers.

(Both Past and Present) General Lines, Surplus Lines Agent, Licensed Risk Manager; BS - Lamar University; MBA - University of Houston