For over 48 years, Joe L. Williams,CPCU has been an insurance agent/broker and risk management consultant. Joe is the former Chairman and CEO of a large Houston brokerage firm sold to a subsiduary of Wells Fargo in 2003. He has expertise in property and casualty insurance coverage analysis and customs and practices in the industry. He has testified on the duties of care of an agent. He has taught seminars on Business Insurance at a local university. He is sought after as a media contact for radio, television and news publications as an authoritative source of information about insurance and risk management topics.