Carolyn Pearl has more than 25 years of experience in property/casualty (P/C) insurance. Prior to joining NCCI in 1995, she held underwriting management positions for two insurance companies, and managed P/C rates and rules development for an independent rating bureau. She also served as director of government affairs and education for the Hawaii Independent Insurance Agents Association. Pearl has earned the Chartered Property Casualty Underwriters designation and is a member of the Hawaii chapter of CPCU and Pacific RIMS. She holds an MBA from Hawaii Pacific University.