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Patricia X. Chin is a seasoned insurance professional with extensive experience in property and equipment breakdown management. Currently serving as the Product Line Manager for Multi-National / HPR Property & Equipment Breakdown at Tokio Marine America since December 2008, responsibilities include drafting HPR policy standards, collaborating with actuaries on rate development, and conducting property training sessions. Earlier roles include Account Manager at NAPCO LLC and Senior Property Underwriter at Zurich Financial Services, as well as global underwriting positions at RSA and Johnson & Higgins. Patricia holds an MBA in Risk Management and Finance and a BBA in Business Administration with a focus on Insurance from Saint John's University School of Risk Management. Additionally, education includes attendance at the University of International Business and Economics.