Lynn Twaddle


Responsibilities: The Executive Director oversees the operation of the Nevada Surplus Lines Association and reports to a Board of Directors. In addition to overseeing the operations, the Executive Director is held responsible for the accounting, legislative and legal issues, and assisting the Nevada Division of Insurance regarding matters that pertain to the surplus lines industry.

Background: Lynn Twaddle attended American River College and Sacramento State University. Prior to establishing the Nevada Surplus Lines Association in 1996, Lynn was a Senior Account Analyst with Travelers Insurance Company, worked as a producer for an insurance agency, was the Executive Secretary for the Independent Insurance Agents of Northern Nevada and established a OSHA compliant safety program for a large contractor.

Karen Fangerow


Responsibilities: The Office Manager is responsible for the daily operations and reports to the Executive Director. Duties include communication with the members, reviewing and processing surplus lines filings, reconciling reports for the Nevada Division of Insurance, and maintaining the required files in order to be compliant with Nevada’s regulations and statutes.

Background: Karen Fangerow began her career with Nevada Surplus Lines Association in 1997. Prior to that date Karen was employed as a medical records custodian, a court clerk at the City of Sparks, Nevada, and a customer service representative at Harrah’s Casino and Hotel in Reno. Karen also has a background in the banking industry.


Nevada mountain ranges