Tribal Sovereign Immunity: What Surety Professionals Need To Know When Working With Native American Tribal Governments and Business Entities

Brad Espinosa, a Vice President with Zurich Surety, has underwriting responsibility for Zurich’s Middle Market Northwest Region and is based in San Francisco. With 10 years in the industry, Brad has held underwriting and leadership positions in Northern California and Seattle. He served as the Seattle Surety Association President and the SFAA Young Professional West Region Leader.  He holds a B.S. degree in Business Administration from California State University, Sacramento.  

Michelle Randall is an Assistant Vice President with Zurich’s Surety Risk Solutions, a team of surety attorneys dedicated to providing legal expertise and innovative problem solving to Zurich’s underwriters and customers.  She spent most of her legal career in Hartford, Connecticut, where her practice focused primarily on representing surety companies in claims matters, recovery, and litigation.  She joined Zurich Surety three years ago and now calls Sioux Falls, SD home.  Michelle has authored chapters in four books published by the American Bar Association’s Surety and Fidelity Committee and in the Fifty-State Construction Lien and Bond Law series.  She graduated from the University of Massachusetts and earned her law degree, summa cum laude, from Western New England University School of Law.