Joe Carter

Principal & Strategic Advisor

Joe Carter is a visionary and results-driven executive with over 25 years of senior leadership experience in the risk management, captive, commercial and personal lines insurance industries. His career has been defined by transformational growth, operational excellence, and a steadfast commitment to profitability and captive owner satisfaction. He has experience working with leadership teams and boards on at higher education and independent school campuses, as well as captive and commercial insurance companies. These matters can include risk management, vendor planning and management, coverage selection, regulatory compliance, and more.

Most recently, Joe retired from the executive team of United Educators (UE), one of the nation’s largest and most successful risk retention groups owned by and serving nearly 1,600 educational institutions. At UE, Joe advised the CEO and Board of Directors while leading core teams responsible for business development, constituent experience, brand marketing, and corporate communications. Under his leadership, the national member base of schools, colleges, and universities grew significantly. He provides a trusted voice in education risk management, presenting to senior education leaders, governance organizations, and insurance industry executives on a number of occasions. He was quoted in major publications on education risk topics, as well as insurance coverage matters. And he contributed to the 2022 volume, The Business of Independent Schools - A Leader's Guide, authoring the section providing strategic guidance to school leaders on designing and implementing enterprise risk management programs.

During his career, Joe has twice testified before the U.S. House of Representatives on behalf of schools, colleges, and insurers. He also served as UE's acting President and CEO during a CEO sabbatical.

Prior to UE, Joe held leadership roles at three Fortune 100 companies: Bank of America, Prudential Insurance and Allstate Insurance. He also has served as founder and president of Insurance Max, Inc., an independent agency he successfully developed and later sold.

An enthusiastic brand ambassador and cultural leader, Joe is known for building high-performance teams, mentoring rising talent, and guiding organizations through strategic partnerships and complex challenges with agility and foresight. He is also a polished governance professional bringing impact to a number of organizations through board service.

He is a current member of the Board of Directors for the Vermont Captive Insurance Association, the world's largest captive insurance association. He is also a member of the National Business Officers Association Advisory Services Board of Directors.

Joe holds a B.S. in Financial Management from Old Dominion University and has completed executive education on Insurance Executive Leadership at the University of Virginia’s Darden School of Business and Managing Strategic Alliances at Northwestern University’s Kellogg School of Management.