Gina Hardy serves as Chief Executive Officer of two insurance companies: the North Carolina Joint Underwriting Association (NCJUA) and the North Carolina Insurance Underwriting Association (NCIUA). Together, they insure $236 billion in property exposure across 592,461 risks and are recognized as leaders in promoting resilient construction.
Under Ms. Hardy’s leadership, the Associations have allocated more than $217 million to four residential pre-disaster mitigation programs: Strengthen Your Roof (SYR), Strengthen Your Coastal Roof (SYCR), Stronger Roof Grant, and the Stronger Roof Endorsement Program, helping homeowners reduce vulnerability to hurricane damage.
Since 2009, the Associations have consistently turned to the capital markets as a strategic partner in risk transfer, issuing 13 catastrophe bonds totaling $4.481 billion in coverage. Cape Lookout Re Ltd (Series 2025 1) marked a milestone as the first and only insurance-linked securities (ILS) transaction also classified as a true resilience bond.
Ms. Hardy was named one of Insurance Business America’s Elite Women in Insurance in 2021 and received the Order of the Long Leaf Pine from Governor Roy Cooper in 2022 for her distinguished service to the state of North Carolina.
She serves on the Board of Directors of the Insurance Institute for Business and Home Safety (IBHS) and as Chair of the Board for the Property Insurance Plan Service Office (PIPSO).