In today’s increasingly volatile insurance market, securing affordable and comprehensive coverage has become more difficult, even for organizations with strong risk profiles. Organizations must take proactive and innovative steps to secure necessary insurance coverage and protect their assets.

This session will explore how Lancaster County Solid Waste Management Authority (LCSWMA), based in Pennsylvania, successfully created a captive insurance company to ensure long-term access to quality insurance solutions while simultaneously instituting a best-in-class culture around loss control, risk management, and property improvement. By forming a captive, Lancaster County guaranteed ongoing access to critical lines of insurance and elevated its internal risk management practices to industry-leading standards.

This dual strategy emphasizes strong loss control, enhances operational safety, and supports the continuation of a stellar loss history — an increasingly vital asset as the industry contends with rising claim severity. Attendees will gain practical strategies for designing their own captive programs and embedding operational excellence in loss prevention efforts.    

About the Speakers

Dan Youngs
Executive Director | LCSWMA

Daniel (Dan) Youngs serves as Executive Director of LCSWMA. LCSWMA is a Pennsylvania Public Authority managing 950,000 tons of solid waste and $120M gross revenues annually. LCSWMA is nationally recognized for its Integrated System that encompasses two Waste-To-Energy power generation facilities, Transfer Stations, Landfills, Household Hazardous Waste facility, and a mixed-fuel (CNG & Diesel) Waste Transfer Fleet. Dan also serves as President of Sustainable Assurance Company, a Vermont-domiciled insurance captive specializing in underwriting solid waste assets. Dan previously served as Chief Financial Officer at LCSWMA. Prior to joining LCSWMA, Dan held financial and operational leadership roles at other heavy-industrious companies. He holds a B.S. in Accounting with a second major in Business Administration from Lebanon Valley College and an MBA from Lebanon Valley College.

Nicole Roy, RIMS-CRM
Director of Risk Management | LCSWMA

Nicole Roy is an accomplished risk management professional with more than a decade of experience developing and implementing strategies that protect people, organizations, and assets. Her expertise spans safety program design, enterprise risk, and crisis preparedness, with a proven ability to identify emerging risks and balance them against organizational opportunities. She holds a B.A. from Alvernia University, a master’s degree from Saint Joseph’s University, and the designation of RIMS-Certified Risk Management Professional (RIMS-CRMP). She is passionate about advancing risk management practices that empower organizations to adapt and thrive.