Agent Profiles Healthcare Professional Liability Specialists Charles E. Malmquist, CPCU, ARM, AAI, President Mr. Malmquist is a seasoned healthcare insurance consultant with over 30 years in the industry.  He has designed, implemented and administered comprehensive insurance programs for over 500 healthcare organizations including a national network of specialized hospitals.  He has also developed Risk Identification criteria and Bidding Specifications used for hospitals as well as large medical accounts.  Charley is actively involved in the Professional Liability Underwriting Society, and an associate member of the Georgia Society of Healthcare Risk Management.  He has coauthored a book on producer compensation published by the National Underwriter.   He has served as President of the Independent Insurance Agents of Georgia as well as the Atlanta Association of Independent Insurance Agents.  He has also served on the Medical Opportunities Board of the St. Paul Insurance Company, primarily responsible for drafting new healthcare professional liability contracts. Charley is a graduate of the University of Alabama with majors in Insurance and Real Estate.   He has earned the Chartered Property Casualty Underwriter Designation, the Associate in Risk Management Designation and the Accredited Advisor in Insurance Designation.     Paul K. Tuggle, CPCU, Sr. Healthcare Risk Consultant Mr. Tuggle is an experienced healthcare consultant with 24 years in the industry. He has worked with a variety of healthcare clients ranging from individual physicians to large medical practices and multi-state medical facilities. As a Loss Control Specialist with a large hospital corporation, he helped to design and monitor programs such as Infection Control Policies and Procedures for Hepatitis B and AIDS, Product Selection and Recall Guidelines, and Hospital Compliance with Regulatory Agency Policies and Procedures. More recently he has developed and placed comprehensive insurance programs for a variety of clients including a national network of ambulatory surgery centers and multispecialty networks of physicians. Paul is a graduate of the University of Georgia Business School with majors in Risk Management and Insurance and Finance. He has earned the Chartered Property Casualty Underwriter (CPCU) Designation.     John Lowden, Healthcare Risk Consultant Mr. Lowden's extensive insurance industry experience has equipped him with the expertise to identify and resolve any insurance need our clients may have.  John graduated from Wright State University, and after working for a Fortune 500 company supporting the franchise auto dealer community, he launched a successful Professional Employers Organization to provide services, including insurance, to small and medium sized businesses.  Utilizing the wealth of knowledge and experience of those successes, John brings a unique insight into client's risks and their particular insurance needs.  His commitment to each of our clients is to provide the absolute best solution and service available.       Ronald Cuen, Healthcare Risk Consultant Mr. Cuen has a diverse background in the insurance industry as an underwriter, agent and consultant.  Ron started his career with CNA, and then joined E.H. Crump & Company.  He later worked with Marsh for 20 years, achieving numerous sales awards, including their top National Sales Leaders award.  A graduate of the University of South Alabama in Finance, Ron is currently an officer in The Georgia Captive Association, and prides himself and Potter-Holden in delivering unsurpassed solutions and client service.     Kevin Chojnacki,  Healthcare Risk Consultant Mr. Chojnacki has over 23 years of experience in the insurance industry, specializing in risk management and commercial/professional liability solutions.  Kevin’s background includes roles as a claims examiner, auditor, manager, agent, and consultant. Prior to joining Potter Holden & Company, Kevin was a senior business products specialist for Sentry Insurance Company, earning numerous leadership awards over a 16 year career.  Kevin began his career at Employee Benefit Plans, Inc. working in the health insurance claims department as a claims examiner and auditor.  He later managed a claims unit.  Kevin received a Bachelor of Science degree from the University of Wisconsin- Stevens Point with a major in business administration.   Personal Lines Kathy Sposa, Personal Lines Account Executive, candidate member CPCU Mrs. Sposa began her insurance career in 1984 as a Personal Lines Underwriter with Safeco Insurance Company.  In 1996 she moved to The Hanover Insurance Company as a Senior Underwriter and was later promoted to SE Region Personal Lines Operations Supervisor.  In this role, Kathy was responsible for improving compliance with state regulations, operational efficiency, and best practices with a primary goal of improved service levels and Agent satisfaction.  She then obtained her GA P&C Agents license and was the Personal Lines Manager for an Independent Agency in the Atlanta area.  Kathy has achieved candidate member status with the CPCU society, and is also a member of the National Association of Insurance Women and Insurance Professionals of Atlanta.  Joining Potter-Holden in December of 2007 as an Account Executive and Personal Lines Manager, Kathy has already exhibited excellent leadership, outstanding client relations, and strong production skills, and has proven to be an excellent addition to our professional team.