Karen Epermanis, PhD

Associate Professor & Risk Management and Insurance and Employee Benefits Program Director

Internship Coordinator

  • B.B.A.,  University of Georgia
  • M.B.A., University of Tulsa
  • Ph.D., University of South Carolina

Dr. Karen Epermanis is the Program Director of  Risk Management and Insurance Major and Employee Benefits Minor.  She also serves as  Faculty Advisor for the student Risk Managment & Insurance Society/Gamma Iota Sigma. Dr. Epermanis joined Appalachian State University as Assistant Professor in the fall of 2006 after previously serving on the faculty of The University of Mississippi and University of Hartford. In addition, she has 13 years of industry experience in the field of risk management.

Prior to entering academe, Dr. Epermanis was Director of Risk Management for SulzerMedica USA, Inc./Sulzer Inc. where she was responsible for the development and coordination of a comprehensive risk management program for diversified operating divisions worldwide.  Risks included the manufacture of implantable medical devices and heavy industrial machinery.   Dr. Epermanis also served in the risk management departments of Columbia Gas System and The Williams Companies.

Dr. Epermanis is the 2017 recipient of the SGA Outstanding Professor Award (College of Business) and 2012 recipient of the Sywassink Day of Excellence in Service Faculty Award. While at Ole Miss., Dr. Epermanis received the 2004 School of Business Administration Outstanding Teacher of the Year Award, and served as faculty advisor to the student Insurance and Risk Management Society. She also received the Shin Research Excellence Award for Insurance Scholarship at the 2001 meeting of the International Insurance Society. 

Dr. Epermanis is a past-president of both the Southern and Western Risk and Insurance Associations. She also has served on committees and presented numerous papers at academic conferences including the American Risk and Insurance Association, Southern Risk and Insurance Association, Risk Theory Society, Risk Management Research Council, and Western Risk and Insurance Association. Her research has been accepted for publication in journals such as Journal of Money, Credit, and Banking, Journal of Financial Education, Journal of Applied Risk Management and Insurance, Journal of Individual Employment Rights, and Journal of Risk Education.


FIN 3100, Principles of Risk & Insurance; FIN 4950, Enterprise Risk Management

Title: Risk Management and Insurance and Employee Benefits Program Director, RMI Internship Coordinator, Associate Professor
Department: Department of Finance, Banking and Insurance

Email address: Email me

Phone: (828) 262-6223

Fax: (828) 262-2925

Office address
3054 Peacock Hall