Denise has over 40 years of experience in the insurance industry with a focus on Commercial and Personal Lines Underwriting. Denise joined Topa Insurance Group in 2018 as Chief Underwriting Officer and in 2020 was promoted to COO where she oversaw claims, human resources, marketing, products, program development, and underwriting. Her prior work experience includes CUO at Mutual of Enumclaw, CUO at GMAC Insurance, VP of Underwriting at CSAA, VP of Underwriting at Western United Insurance Company and Underwriting Manager at Mercury. She has served on multiple boards, including as chairperson of the California Fair Plan and was named among Insurance Business America’s “Elite Women” in 2019 and 2020.