PRA Team

Meet Our Experts

Specializing in Insurance Solutions for Medical and Healthcare Professionals

Don Emory, ARM

Vice President

Don specializes in all lines of insurance for physicians and healthcare related risks with over 25 years of experience in the insurance industry. His history in the field includes a number of years with a large regional captive brokerage that represented a physician professional liability insurance company. While there, his primary focus was the development and delivery of additional insurance products to their new and existing clients.

He began his insurance career with Safeco Insurance Company holding various positions in their commercial lines underwriting and marketing departments. He is a graduate of California State University Northridge with a Bachelor of Science degree in Economics and holds an Associate in Risk Management (ARM) designation.

Ray Smith

Vice President

Ray has a focus on physicians and healthcare related risks and over 25 years of experience in insurance. His insurance career started with Safeco Insurance Company as an Underwriting Manager and Marketing Manager. He subsequently worked with a large regional insurance agency specializing in physicians insurance. He received his Bachelor of Science degrees in Marketing and Management from Oklahoma State University.

Debbie Gross

Senior Account Manager

Debbie’s insurance experience of over 35 years includes many years in the healthcare field specializing in medical malpractice liability coverage and commercial and personal lines of insurance. She enjoys working with clients in managing and servicing their accounts. She’s an excellent resource given her vast knowledge of and experience in insurance.

Shannon Emory

Senior Account Manager

Shannon has over 25 years of experience as a commercial Account Manager in the independent insurance agency field. She has successfully assisted clients in the placement and management of insurance accounts while maintaining excellent customer and company relationships.

Linda Post

Account Executive

Her experience in the healthcare field assists our clients in securing the proper coverage for their insurance needs. Prior to joining our firm, she was responsible for the employee benefit plan administration and workers compensation insurance for a medical center. Linda is a graduate of Cal State University Northridge with a degree in Health Administration.



We’ve partnered with Chambers & Company Insurance Brokers to maximize resources and operational efficiencies, enabling us to deliver top-quality coverage at the most cost-effective rates. Both Physicians Risk Associates and Chambers & Company are ready to take your call, supporting our pledge to provide you with superior coverage and customer service.

Our Carriers

We represent some of top insurance carriers in the nation.