Empowering women in insurance since 2002
2026-2027 Officers
PRESIDENT/CHAIR
Crystal Maney, ICW Group
Crystal began her career in insurance in 1999 after she graduated from Eastern Kentucky University with a Risk Management & Insurance bachelor’s degree. She has spent her career on the company side as an Underwriter and/or Territory Manager. She is currently a Sr. Business Development Underwriter for ICW Group, a monoline WC carrier, where she is doing both underwriting and agency management and allows her to be in the field as her passion is building partnerships with the agencies she works with on a daily basis. She became involved with Women Leaders in Insurance in 2023 and has served on both the Program and Sponsorship Committees. Crystal is married with two sons and lives in Richmond, KY. In her free time, she loves traveling, touring bourbon distilleries and bourbon hunting.
Chair-elect
Chair-elect
Chair-elect
Teri Ralston, Harford Mutual
Teri Ralston began her career in the insurance industry in 1999. Currently, she is a Business Development Specialist at Harford Mutual Insurance Group. Teri holds the Certified Insurance Counselor (CIC) and the Certified Risk Manager (CRM) professional designations. Her dedicated involvement with Women Leaders in Insurance (WLI) began in 2019 and she is currently serving as the Chair-Elect and Sponsorship Committee Chair. In her spare time, she enjoys spending time with family, attending sports events, and volunteering in the community. Teri is married with two adult children and lives in Louisville, KY.
vice chair
Chair-elect
Chair-elect
Tonya Cothern, West Bend Insurance Company
Tonya is the State Sales Manager for KY & IN with West Bend Insurance Company. She began her insurance career in 2006 with AIG Agency Auto, joined West Bend in 2018 and has over 20 years sales experience in the insurance industry.
She is a graduate of Murray State University with a degree in Organizational Communication and obtained her CIC designation in 2013. She joined Women Leaders in Insurance in 2025 as part of the Spring/Fall Program Committee and is currently serving as Vice Chair.
She enjoys golfing, traveling, spending time with friends & family, and singing karaoke. She lives in Bowling Green, KY with her husband and two dogs.
SECRETARY
Chair-elect
PAST CHAir
Melissa Worrell, KEMI
Melissa began her career in insurance in 2005 at Kentucky Employers’ Mutual Insurance (KEMI) and is currently an Underwriting Supervisor. She became involved with Women Leaders in Insurance in 2019 and served on the scholarship committee and as Vice-Chair. Melissa is married with one daughter and lives in Lexington, KY. She enjoys spending time with her family and playing golf.
PAST CHAir
scholarship chair
PAST CHAir
Hannah Sack, Willis Towers Watson
Hannah Sack is a Senior Client Advocate with Willis Towers Watson, where she partners with large commercial organizations to develop and manage strategic risk management and insurance solutions. With nearly ten years of industry experience, she specializes in building complex insurance programs, maintaining strong client relationships, and overseeing the ongoing service needs for clients in the healthcare and manufacturing industries. Hannah partners closely with clients, insurers, and subject matter experts to deliver tailored insurance solutions and a seamless service experience. She is a graduate of Belmont University with a Bachelor of Science in Biology and Marketing. Originally from Chattanooga, Tennessee, Hannah now calls Bowling Green, Kentucky home. When she is not working, you can usually find Hannah at a sporting event or comedy show with her husband, Cole or spending time with her cats, Boone and Lefty.
treasurer
scholarship chair
scholarship chair
Laura Yount, Mountain Valley Insurance
Laura serves as Treasurer of Women Leaders in Insurance and is Vice President of Commercial Lines at Mountain Valley Insurance. A dedicated leader in the independent insurance industry, she served 10 years on the Big I Kentucky Board of Directors, including as Board Chair 2023-2024. Prior to joining the board, Laura was active on the organization’s Young Agents Committee.
Laura holds both the Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR) designations. She is passionate about developing and empowering women leaders in the insurance industry and believes that creating opportunities for women to grow, connect, and lead strengthens both the profession and the organizations they serve.
scholarship chair
scholarship chair
scholarship chair
Cheryl Hoffer, KEMI
Cheryl is a graduate of the University of Kentucky and began her insurance career at Kentucky Employers’ Mutual Insurance in 2002 where she currently works as a Senior Underwriter. She became involved with the Women Leaders in Insurance in 2019 and serves as Chair of the Scholarship Committee. Cheryl is also a member of the Kentucky Bluegrass Chapter CPCU Society. She lives in Richmond, KY with her husband and two rescue dogs. Cheryl enjoys traveling and especially traveling to Florida to spend time with precious family, as well as attending sporting events and Jazzercise classes.