Skip Ribbon Commands
Skip to main content

Insurance Coverage Experts

​​The experts
NoPhotoAvailable.jpgAllen Messer, CIC, CPCU graduated from the University of Evansville, Evansville, Indiana, and immediately began his insurance career. His 45+ years of insurance experience includes claims, marketing, underwriting, management, direct sales as an independent insurance agent, and consultant. 
Allen is currently the owner of Insurance Concepts and Services, an organization that focuses on strategic planning/execution for insurance companies and insurance agencies, insurance policy writing for insurance companies, insurance training and education for all involved in the industry, insurance agency coverage audits, as well as consulting with attorneys.
Prior to forming this organization, Allen spent more than twelve years as Director/Chief Operations Officer/Chief Executive Officer of Illinois Casualty Company (a company specializing in insurance protection for the food and beverage industry) with responsibilities in all areas of operations and fifteen years as an independent insurance agent and consultant specializing in the construction industry.  
Allen’s insurance education includes completing the Certified Insurance Counselor Program (CIC) and the Chartered Property Casualty Underwriter Program (CPCU), where he earned the very first CPCU "Distinguished Graduate Award" for attaining the highest academic average in the nation. 
Allen has conducted numerous seminars on the technical subjects of property and casualty insurance as well as contract bonds. Not only has he taught INS classes, CPCU classes, CIC programs, as well as conducted seminars for various industry (other than insurance) trade associations, he has served as instructor for many seminars for the Independent Insurance Agents Associations and the Professional Insurance Agents Associations. Twice the Independent Insurance Agents Association of Indiana recognized him as the recipient of the J. Edward Hedges Memorial Award as "Insurance Educator of the Year”. Allen is a National Faculty Member and Educational Consultant for the Society of Certified Insurance Counselors.
Allen Messer brings technical skill, initiative, and experience to bear on the complex problems of insurance and risk management.
2 2016

barry123.jpgBarry Zalma, Esq., CFE, has practiced law in California for more than 43 years as an insurance coverage and claims handling lawyer. He now refuses all assignments as a lawyer and limits his practice to service as an insurance consultant and expert witness specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally, for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. 

He founded Zalma Insurance Consultants in 2001 and serves as its only consultant.
Mr. Zalma recently published “Insurance Law;” “Insurance Claims a Comprehensive Guide;” the “Construction Defects Claims Guide” and the “Mold Claims Guide” published by the National Underwriter Company. The American Bar Association now publishes Mr. Zalma’s “The Insurance Fraud Deskbook” and “Diminution in Value Damages.” He also publishes through his web site at the e-books, “Insurance Fraud & Weapons to Defeat Fraud”; “Zalma on California Claims Regulations – 2013″; “Rescission of Insurance in California – 2013;” “Random Thoughts on Insurance” a collection of posts on this blog; “Zalma on Insurance Fraud – 2012″; “ “Heads I Win, Tails You Lose — 2011,” “Arson for Profit” and others that are available at
His C.V. is available at http:// and he can be reached at
3 2016
Bill-Mense.jpgBill Mense. My insurance career began in 1977 following graduation from Xavier University in Cincinnati, Ohio with my BSBA in Finance. My family has been in the insurance business since 1914. So my career began with my father stating that if I wanted to eat, I will see you Monday morning. The best piece of advice came on that Monday with "Today is the smartest day of the rest of your life." This was from Richard Tilney, CPCU.
I am now a partner with United Heartland Insurance Agencies in Hamilton, Ohio. We are a consolidation of agents with similar family heritages reflecting the values of our forefathers.
I taught for the Independent Insurance Agents of Ohio for about 6 years. My subjects were CGL and Business Auto. I also taught the "old" CLM manual back in the day when paper was still used. Education has always been important in our constantly changing world. I also act as a consultant with Prometrics and The State of Ohio for the annual license exam review.
My outside interests include trains , both real and model, reading, and playing tennis. You need to get away from this business at the end of the day.
I am honored to be a member of Ask an Expert.
William C. Mense
United Heartland Insurance
185 North Brookwood Ave.
Hamilton, Ohio 45013

WilsonBill.jpgWilliam C. Wilson, Jr., CPCU, ARM, AIM, AAM is the founder of Insurance He retired from the Independent Insurance Agents & Brokers of America in December 2016 where he served as Assoc. VP of Education and Research and was the founder and director of the Big "I" Virtual University for over 17 years.  He is the former Director of Education & Technical Affairs for the Insurors of Tennessee and, prior to that time, he was employed by Insurance Services Office, Inc.  He is a graduate of the Illinois Institute of Technology with a B.S. degree in Fire Protection & Safety Engineering.

Bill was a licensed insurance and surplus lines agent, and his professional affiliations have included past president of the Middle Tennessee Chapter of CPCU, member of the board of directors of the national CPCU society, PMLG of the Honorable Order of Blue Goose, International, member of the Independent Insurance Agents & Brokers of America (IIABA) National Education Committee, member of the Certified Insurance Service Representative (CISR) National Advisory Committee, member of the National Underwriter FC&S editorial board, member of the Society of Insurance Trainers and Educators (SITE) and its SITE Journal editorial committee, member of the National Writers Association, chairman of the Tennessee Insurance Commissioner's Education Advisory Committee, member of the Middle Tennessee State University Insurance Liaison Committee, and member of the Nashville State Technical Institute's Business Management Advisory Committee.

Bill has served as a trainer and speaker for various organizations, including the Independent Insurance Agents & Brokers of America and 43 of its state affiliates, the CPCU Society national convention and chapter programs, the National Association of Insurance Women (NAIW), the Southern Agents Conference (SAC), the Risk & Insurance Managers Society (RIMS), the International Risk Management Institute (IRMI), and the Society of Risk Management Consultants (SRMC).

He has conducted hundreds of technical seminars, workshops and convention presentations—from Hawaii to Maine and Alaska to Florida—as well as programs on time management, presentation and public speaking skills, seminar development, and many others.  He has been the top-rated presenter at several CPCU National Conventions and his programs are always highly rated by attendees. He has presented seminars or webinars to as many as 5,000 attendees in a single session.

He was the recipient of the IIABA L.P. McCord National Education Award for having the #1 ranked state insurance education program in America and has won six other national education awards, including the George M. Gottheimer Memorial Award which is presented periodically to a CPCU Society member who has made an outstanding contribution to the field of insurance education, risk management or insurance consulting and, most recently, the Jeff Yates Lifetime Achievement Award which is the IIABA's highest honor for nonagents.

Bill has researched, developed, written, and published dozens of technical articles, manuals and CDs/audio tapes, and has authored articles in business and industry trade periodicals such as Presentations magazine, American Agent & Broker magazine, Independent Agent magazine, Tennessee Insuror magazine, Tennessee Business magazine, the CPCU Journal, CPCU Interest Group newsletters, and the SITE Journal.

He has been quoted as an expert in a number of mainstream publications, including Readers Digest, Kiplinger's, and Money magazines and the Wall Street Journal, and he has been cited as an expert resource/interviewee for local television and radio media. He has also served as an expert witness in litigation.

According to Nashville NBC television affiliate WSMV, "Bill Wilson is an expert when it comes to insurance."  Dr. William T. Hold, president of the Society of Certified Insurance Counselors in Austin, Texas has said that, "Bill Wilson is recognized by his peers as one of the premier insurance educators in America." Bob Rusbuldt, CEO of the Independent Insurance Agents & Brokers of America says, "Bill Wilson is the nation's foremost leading expert on form, coverage, and technical issues."

Bill now blogs on insurance industry issues at and delivers keynote presentations in conjunction with his consulting practice. He is also working on several book projects in addition to playing lead guitar with the band The Old Dogs. Email Bill at or visit his web site for other ways to connect with him via LinkedIn and Twitter.

NoPhotoAvailable.jpgR. Bryan Tilden, CIC, CPCU, CLU, ARM, ALCM, ChFC is president of Tilden and Associate. He is a national lecturer and expert witness in the field of insurance. Prior to starting his own firm, he was the Director of Technical Affairs and Director of Education for the IIA of North Carolina (IIANC).

Since entering the insurance business in 1974 as an Account Executive, Bryan has worked for major brokerage firms on Fortune 100 accounts around the nation. He specialized in large retention programs, using the international insurance market.

Bryan has been active in insurance education as a grading panel member for the Insurance Institute of America and the American Institute for Property Liability Underwriters. He has served on the Education and Technical Committees for the IIANC and worked with the State of North Carolina on pre-licensing and continuing education.

In 1988, IIANC presented him with the Ernest F. Young Education Award, and in 1989 Agent of the Year. He has taught in schools for both the PIA and IIABA, has been a speaker at RIMS and CPCU meetings, and has spoken at various conventions. He is a national faculty member for the Society of Certified Insurance Counselors (CIC).

As a volunteer in the Scouting program, he serves as a trainer for the Girl Scouts, and Council Eagle Advancement Chairman for the Boy Scouts. An active volunteer in the fire and rescue services, Bryan is an internationally certified techical rescue instructor. He is a member of the International Association of Arson Investigators along with the NC Chapter, and teaches arson investigation courses.


NoPhotoAvailable.jpgCharles Comiskey, CPCU, CIC, CPIA, CRM, CWCA, is a shareholder and Sr. Vice President of Brady Chapman Holland & Associates, one of the largest insurance brokerage firms in the Southwest. He is also President of RiskTech, Inc., Houston’s oldest risk management consulting firm.

He has over 35 years hands-on experience in risk management and insurance-related matters and holds several professional designations.  He is frequently engaged as an expert witness and is a lecturer on a wide variety of risk management and insurance issues.

Charles is also National Chairman of the Construction Practice Group of RiskProNet International, the 5th largest brokerage organization in the U.S.  A current CV is available upon request.

Charles E. Comiskey
Brady Chapman Holland & Associates, Inc.
RiskTech, Inc.
2190 North Loop West, Suite 200
P. O. Box 922019
Houston, TX 77292
713.688.7967 (fax)


AmrheinChris.jpgChris Amrhein, AAI is a professional insurance educator and consultant, and the former Vice President of Industry Affairs with the Independent Insurance Agents of America. When he authorizes it, we'll add something funny here.

Visit Chris' website at
Email Chris at
Chris Amrhein, like most true believers in insurance, stumbled upon this business accidentally; specifically, after graduating from college and needing a job.

After beginning in this business as a life-health agent, he graduated to property-casualty sales where he first met the greatest mine of comedy material existing today, the ISO forms. Following several years as a producer and independent agency manager/owner, Chris spent many years as a full-time educator/VP-Education for the Florida Association of Insurance Agents and VP-Education for the Independent Insurance Agents and Brokers of America. Those years found him traveling about the country teaching seminars on everything from agency management to the claims made CGL. It has also taught him the absolute truth of Jimmy Buffet's famous observation about those who make a career of the property-casualty business: "If we weren't all crazy we would go insane."

Chris is now a speaker, consultant, seminar leader and training developer, and resides in Lorton, Virginia, with the love of his life (and wife) Donna and youngest son Alexandru (18). His two older sons - Patrick, 35 and Kevin, 33 – are doing quite well without him. His email address and website, say it all.

Current Industry Activities: 
  • Member, CPCU Oversight Committee
  • Member, Accredited Adviser in Insurance (AAI) Advisory Committee.
  • Primary Author (AAI textbooks): 

            Foundations of Insurance Production – Personal Insurance 

            Multiple-Lines Insurance Production – Commercial Liability Insurance

            Agency Operations and Sales Management – Principles of Agency Management

  • Monthly columnist (1993-present) - "Policy Issues" - American Agent & Broker Magazine.
  • Faculty member: IIABA’s Virtual University; Society of CIC James K. Ruble Seminars
  • Developer of “Street Level Ethics” Program for AICPCU/IIA
Past Activities:
  • Chairman. IIABA Future One Producer Development Task Force
  • Member, IIABA Future One Subcommittee on Customer Service
  • Author/Editor - Florida General Lines, Customer Representatives and Adjuster Study Manuals
  • Member, IIABA Agency Management & Technology Committee

Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, joined the insurance industry in 1990. He is the Executive Director of the Independent Insurance Agents and Brokers of America (Big "I") Virtual University. His current duties involve researching, writing, and teaching property and casualty insurance coverages and concepts to Big "I" members and others in the insurance industry.

During his career, Boggs has authored more than 1,000 insurance and risk management-related articles on a wide range of topics as diverse as Credit Default Swaps, the MCS-90, and enterprise risk management. In addition to this, Boggs has written 15 insurance and risk management books:

  • "The Insurance Professional's Practical Guide to Workers' Compensation: From History through Audit," now in its second edition;
  • "Business Income Insurance Demystified: The Simplified Guide to Time Element Coverages," now in its third edition;
  • "Property and Casualty Insurance Concepts Simplified: The Ultimate 'How to' Insurance Guide for Agents, Brokers, Underwriters and Adjusters;"
  • "Wow! I Never Knew That! 12 of the Most Misunderstood and Misused P&C Coverages, Concepts and Exclusions;"
  • "Insurance, Risk & Risk Management! The Insurance Professional's Guide to Risk Management and Insurance;"
  • "Workers' Compensation: How You Can Effectively Answer Your Clients 12 Most Commonly Asked Questions;"
  • "Glossary of Insurance Terms;"
  • "Choosing the Best Risk Financing Option;"
  • "Writing Property and Liability Coverage for Condos;"
  • "The Truth about Enterprise Risk Management;"
  • "The Experience Mod Worksheet;"
  • "What has ISO Done to us Now?" and
  • "Cancellations, Non-Renewals & Conditional Renewals: THE Insurance Professional's Guide to Statutory Insurance Carrier Notification Requirements for All 50 States!"
  • Workers' Comp: Practical Answers to the Most Common Workers' Comp Questions
  • Homeowners' Coverage: Managing Your Clients' Most Valuable Asset
Boggs is a regular speaker at industry events, speaking for groups such as the National Association of Mutual Insurance Companies (NAMIC), the National Society of Insurance Premium Auditors (NSIPA), the American Association of Managing General Agents (AAMGA), the Institute of Work Comp Professionals (IWCP), and the CPCU Society.

A graduate of Liberty University with a bachelor's degree in Journalism, Boggs' background includes work as a risk management consultant, loss control representative, producer, claims manager, and quality assurance specialist.
SchrammChuck.jpgChuck Schramm, MBA, CIC, CPCU, AAI, ARM, CRM is an insurance trainer, consultant, and expert witness in the Chicago, IL area.
His detailed bio is below.
Click Chuck's photo to email him.
Chuck Schramm became an insurance agent in 1966. He has earned the following insurance designations: Certified Insurance Counselor, Chartered Property Casualty Underwriter, Accredited Advisor in Insurance, Associate in Risk Management, and Certified Risk Manager. He also earned his Master in Business Administration from Roosevelt University.
In addition to formerly selling insurance, he also teaches insurance courses. He has taught for the Insurance School of Chicago, Professional Independent Insurance Agents of Illinois, Society of Certified Insurance Counselors, and the Independent Insurance Agents of Wisconsin.
He has published articles in the PIIAI Insight Magazine. He rewrote the insurance chapter for Business Math Today, a college textbook. He previously wrote an insurance column for Broker News, a multi-state newspaper. He is a member of the PIIAI Commercial Lines Task Force and the Mid-America Technical Conference.
He is also an insurance consultant and expert witness on insurance issues. He is with Rosenthal Brothers Insurance Agency in Deerfield, IL.
Chuck Schramm, MBA, CIC, CPCU, AAI, ARM, CRM, CRIS
Rosenthal Brothers
740 Waukegan Road
Direct Tel: (847) 940-4190
Office Tel: (847) 940-4300
Fax: (847) 940-4315
Web Site:

Craig-Andrews.jpgCraig Andrews, CPCU ARM AAI AU-M ARe AIC ASLI AMIM CRIS, is the son of an independent insurance agent. Andrews entered the insurance industry in 1977 as a producer in an independent agency in Ohio.  Within a few months, he established his own independent agency from scratch, which he operated successfully for nineteen years.  During this time, he also became an active insurance teacher, leading commercial insurance coverage courses for CPCU chapters, the Ohio Independent Insurance Agents' association, several state PIA affiliates, and The National Alliance. 

In 1996, Craig sold his agency to accept a position as a commercial production underwriter with State Auto Insurance Companies in Columbus, Ohio.  Four years later, he became the manager of the company's personal and commercial insurance underwriting and sales operations in Michigan.    

In 2006, Craig assumed a leadership position in State Auto's home office commercial underwriting staff department as its director of commercial insurance product development. This role included multiple responsibilities:

  • Leading a team of ten commercial coverage specialists in the design, development and maintenance of the company's commercial insurance coverage portfolio in its 33 states of operation
  • Drafting proprietary coverage endorsements for business insurance market segments of all sizes and types
  • Managing reinsurer relationships
  • Serving as State Auto's designated representative in litigation involving commercial insurance coverage issues on behalf of the corporate claim division
  • Leading the commercial coverage technical training for State Auto's award-winning PaceSetter program for new producers
  • Managing State Auto's corporate insurance program and serving on the company's risk management committee     

He retired from State Auto in May 2016.

Besides serving as a regular presenter in State Auto's in-house commercial training programs, Craig has made commercial insurance presentations for the annual meeting of the National Association of Mutual Insurance Companies; the National Association of Mutual Insurance Companies' Commercial Lines Seminar; the Insurance Journal/Academy of Insurance; the Indiana State University Networks Financial Institute; the Insurance Board of Northern Ohio; the Federation of Insurance Women of Texas; The National Alliance; and PIA affiliates in Ohio, Indiana, West Virginia and South Carolina.  His article on data breach was published in The Standard, the monthly New England insurance journal, in January, 2015.

Craig has appeared as expert witness at trial and in deposition in multiple legal actions involving commercial insurance coverage, including disputes regarding Commercial Property, Commercial General Liability, the Businessowner Policy, Commercial Auto, Garagekeepers Insurance, and Commercial Umbrella.  He has also worked with law firms as coverage expert in the defense of errors and omissions actions against insurance agents.      

Craig earned the Chartered Property Casualty Underwriter (CPCU) designation in 1983 and is a member of The CPCU Society and its Coverage, Litigators and Expert Witness (CLEW) Interest Group.  He is a past president of Grand Lake Chapter of The CPCU Society and a past president of Underwriting Executives Council.  He is currently an associate member of the American Association of Insurance Management Consultants.

Besides the CPCU, Craig has also earned the Associate in Risk Management (ARM), Accredited Adviser in Insurance (AAI), Associate in Commercial Underwriting – Management (AU-M), Associate in Reinsurance (ARe), Associate in Claims (AIC), Associate in Marine Insurance Management (AMIM), and Associate in Surplus Lines Insurance (ASLI) professional designations awarded by The Institutes.  He earned The Institutes' “Award for Academic Excellence" for both the AMIM and ASLI designation programs.  He has also earned IRMI's Construction Risk & Insurance Specialist (CRIS) designation.  In 1996, Craig became the first recipient of The Jack V. Hedges “Instructor of the Year" Award presented by the Professional Insurance Agents of Ohio.   

Prior to affiliating with Malecki, Deimling Nielander & Associates in January 2018, Craig operated Andrews Risk Advisory, LLC, a consultancy founded in 2016 to provide expert witness services to law firms and coverage form expertise for property-casualty insurers. He is a graduate of Indiana University, a U.S. Navy veteran, and an Eagle Scout.

StanovichCraig.jpgCraig F. Stanovich, CPCU, CIC, AU is co-founder and principal consultant of Austin & Stanovich Risk Managers, LLC, a risk management and insurance advisory consulting firm that does not sell insurance. 

With over thirty eight years of experience in the risk and insurance industry, including five years as an underwriter for a national insurer and fifteen years as an executive for a regional insurance broker, Craig specializes in most aspects of commercial insurance. He has practical, in-depth experience in several areas, including construction, transportation, and petroleum marketers risk management and insurance.
Craig is a regular contributor to various international, national, and local publications. He has served as an Expert Commentator for IRMI for General Liability since 2002. He continues to provide litigation support to the legal community as an expert witness or consultant in cases involving insurance custom and practice as well as complex insurance coverage issues.
Craig has served as president of the Central Massachusetts Chapter of CPCU and as past Chairman of the Board of Governors of the Society of Certified Insurance Counselors in Austin, Texas.  He is also a National Faculty member of the Society of Certified Insurance Counselors and speaks throughout the country on various commercial insurance topics.
Craig graduated from Bridgewater State College with a BS in Education and holds the Associate in Underwriting (AU), CPCU, CIC and CRM professional designations. He is a Licensed Insurance Advisor in Massachusetts and also holds a producer's license in Massachusetts and New Hampshire, as well as being a Certified Insurance Consultant in Connecticut.  Craig is involved in his community and has served seven years on the Town of Holden Finance Committee and six years on the Town of Holden Planning Board. He is involved with his St. Francis Church, Holden, MA, having served on the Vestry as well as a Warden.
Craig F. Stanovich, CPCU, CIC, AU
Principal & Consultant
Austin & Stanovich Risk Managers, LLC
1174 Main Street
Holden, MA 01520
Phone: 888-540-7603 Ext. 102
Fax: 888-650-7803

 2 2016


Craig Tappel, CPA, CPCU grew up in the insurance business and joined his father in the family company after college.  For 10 years, they worked together as independent risk management consultants.    From early on, Craig saw the challenges faced by insurance buyers and the advantage gained by putting insurance expertise on the customer's side. Over the next 15 years, Craig held leadership, production, marketing and sales management roles at regional and national brokers and served as General Manager for an underwriting organization.   

Education and professional development have been and continue to be a cornerstone of Craig's success.  He also enjoys recruiting, training and developing other insurance professionals to pass on what he has learned. 

Craig currently leads HUB International's Property and Casualty Practice in Tennessee.

Professional designations:

CPA - Certified Public Accountant

CGMA - Chartered Global Management Accountant

CPCU - Chartered Property Casualty Underwriter

CLU - Chartered Life Underwriter

AMIM - Associate in Marine Insurance Management

ARe - Associate in Reinsurance 


BA Humanities - Louisiana Scholars College at Northwestern State University, with distinction. MBA - Duke University Fuqua School of Business Global Executive Program, with honors,

Volunteer Organizations and Memberships:

CPCU Society, Middle Tennessee Chapter, Education Co-chair & MTSU Mentoring Program

Insurors of Tennessee

Independent Insurance Agents & Brokers of America

Honorable Order of the Blue Goose International, Middle Tennessee Pond

Tennessee Society of CPA's - Cyber Task Force & Healthcare Conference Committees

Society of Louisiana CPA's - Industry Committee Member & Past Chairman


SHRM, Middle Tennessee Chapter

YMCA Volunteer & Youth Soccer Coach

Boy Scouts of America - Adult Leader, Cubmaster & Assistant Scoutmaster

Girl Scouts of America - Adult Leader & Troop Treasurer

Theta Chi Fraternity - Vanderbilt Colony Advisory Board & Past NSU of LA Alumni President

October 2018

davidsan.jpgDavid Sanborn, CPCU is the president and owner of Risk & Insurance Education, Inc. He has been in the insurance and risk management industry for over 30 years. His current clients include state associations, AON Risk Services, Willis of NY, and several insurance companies. For bookings, call (410) 688-1138 or click David's photo to email him.
David began his career with the Hartford Insurance Group in their career management program. He also served as a marketing representative and in their home office education department as an instructor and curriculum designer.
After leaving the Hartford, he worked for an insurance agency before joining Aetna Insurance Company. At Aetna, he worked in marketing and also as a supervisor of their agency field training/education operations.
In 1980, David formed Risk & Insurance Education, Inc. to provide educational seminars and services for associations, companies, agencies, and brokerage firms. 
David has written numerous articles for industry publications and also served as consultant/writer for various organizations, including IIABA...he was the author of IIABA's 1986 "New CGL" book.
David Sanborn, CPCU
Risk & Insurance Education, Inc.
4314 Joshua Court
Street, MD 21154
Tel: (410) 688-1138
ThompsonDavid.jpgDavid Thompson, CPCU, AAI, API, CRIS is a full-time instructor for the Florida Association of Insurance Agents (FAIA) and one of the top personal lines technical experts in the country. After ten years in the agency business, he taught insurance for a local community college, then served as a contract instructor for FAIA until accepting a full-time position in 1996. He says he maintains his sanity by running marathons, though we believe that this proves just the be the judge.

Click David's photo to email him.
​After receiving his bachelors degree from Mercer University in Macon, Georgia and serving seven years as a commissioned officer in the U.S. Army and U.S. Coast Guard, David began his insurance career in a family owned independent agency in Vero Beach, Florida where he was licensed as a general lines and life & health agent selling all lines of insurance.

In addition to his ten years in the agency he served as a part time instructor for Indian River Community College for six years where he taught insurance pre-licensing and continuing education classes. He worked as a contract instructor for Florida Association of Insurance Agents until he accepted a full time position with them in August of 1996. David presents continuing education seminars throughout the country on a variety of insurance subjects.

When he is not teaching insurance he maintains his sanity by running, having logged nearly 20,000 miles since 1975. He considers running marathons to be fun and has successfully completed ten 26.2 mile races. He claims he runs so he can eat more BBQ and considers himself a BBQ connoisseur.
He and his wife have a married daughter who uses her hard earned allowance to pay for the high limits of liability coverage her "insurance nerd dad" makes her carry! And an application as a Project InVEST student has already been filed for his new granddaughter.
11 20 13

BrooksDean.jpgDean Brooks, CPCU, CLU, ALCM has worked in the insurance industry for 43 years as an independent insurance agency owner, insurance company senior executive, expert witness and insurance educator.  He is a graduate of Drake University and has earned the Chartered Property Casualty Underwriter (CPCU) designation, the Chartered Life Underwriter (CLU) designation and the Associate in Loss Control Management (ALCM) designation.

Dean has 28 years of experience as an insurance producer and agency owner, and 15 years experience with several insurance companies in various management roles, including as Vice-President of Marketing for a large regional company.  He currently is with Miller, Fidler & Hinke Insurance Agency, Inc. in Clive, Iowa.  He also owns Brooks Insurance Services, LLC, a risk management, expert witness and education consulting business. He is a certified E&O instructor for Westport Insurance Company and has testified extensively as an expert witness in agent defense litigation and on commercial coverage issues.
Dean is a member of the Independent Insurance Agents & Broker of America (IIABA) Professional Liability Committee, is a faculty member of Virtual University and on the VU “Ask An Expert” panel, is on the Independent Insurance Agents of Iowa Board of Directors, and serves on the IIABA Board of Directors as the National Director for Iowa.  He is on the Technical Affairs Committee for IIAI and serves as the IIAI representative on the Iowa Insurance Education Foundation Board of Directors.
Dean is a past President of the Independent Insurance Agents of Iowa, the Iowa CPCU chapter, the Des Moines CLU chapter, and the Iowa Insurance Hall of Fame. He is a past Vice President of the Iowa Insurance Institute, an insurance company trade organization, and he chaired their Legislative Committee for several years. He also served on the Iowa Insurance Commissioner’s Continuing Education Advisory Committee.
He was a two term chair and seven year member of IIABA’s Commercial Lines Committee, and a three term chair and five year member of their Technical Conference Committee. 

During this time, he was recognized countrywide as a leader in commercial forms development, working closely with industry trade organizations such as ISO, NCCI and AAIS to help develop many of the property/casualty forms in use today.
He also was a member of several other IIABA committees, including the Federal Crop Insurance Task Force; Farm/Agri Business committee; ISO Senior Company Forum; Risk Retention Act committee; the Federal Earthquake Task Force, an ACORD Certificate of Insurance Working Group, and the Virtual University committee.
Throughout his career, he has been a speaker at state agents’ conventions, industry trade group meetings and several IIABA national conventions.  For many years, he was a contributing editor for International Risk Management Institute (IRMI). He taught IIA and CPCU insurance classes for many years and has twice received the “Outstanding Course Leader” award from the Insurance Institute of America.
Dean has received two Presidential Citations from IIABA, one for his contributions to the development of the 1986 Commercial General Liability policy, and the second for his industry leadership on technical issues while chair of the Technical Conference Committee.  At the 1994 IIABA national convention, he was honored as the first recipient of the Matthew Cantoni Technical and Risk Management Award, established to recognize an individual or organization whose actions reflect community involvement and industry achievement. 
He also is a recipient of the “Agent of the Year” award from the Independent Insurance Agents of Iowa and the Burkhalter Award for outstanding industry leadership from the Iowa CPCU Chapter. He is mentioned several times in “The Technicians” chapter of the book “Soaring With Eagles – The Rise of Independent Insurance Agents in America”.
In recognition of his many contributions to the insurance industry throughout his career, Dean was inducted into the Iowa Insurance Hall of Fame in 2007.

Dee Macheda was the New York State Agents’ Association’s Curriculum Development, Design & Instruction Specialist.  In that position, she developed curriculum, taught and managed the in-house program which provided IIABNY members with on site classes.
Prior to her Specialist job, Dee has been both the Director of Research and Director of Education for IIABNY, both a Personal and Commercial Lines Underwriter, and a commercial lines CSR.  Dee has a B.S. from Syracuse University and an MS in Adult Education through Elmira College. She was one of the first people to receive the ITP (Insurance Training Professional) certification from SITE (Society of Insurance Trainers and Educators).
She has also attained the Accredited Advisor in Insurance, the Associate in General Insurance and the Associate in Insurance Services national designations.
In 2008, Dee was named Insurance Person of Distinction at Syracuse I Day. In 2009 she was presented IIABA's national InVEST Dach award to recognize her dedication and commitment to promoting the career of insurance to high school students. In 2010, she received the Babette Traub Award from the Tri-County Independent Insurance Agents Association for her dedication and commitment to high educational standards.
HartzenDick.jpgRichard I. Hartzen is a nationally renowned insurance educator based in Buffalo Grove, Illinois. He has conducted seminars in over 20 states and taught at the collegiate level. Click Dick's (non)photo to email him.


Dick Hartzen operated Hartzen & Associates as an independent insurance agent for over 28 years. He then served as Director of Education for the Independent Insurance Agents of Illinois for over 7 years.
Dick co-chaired the Illinois Department of Insurance panel studying discrimination in licensing and chaired the Trade Practices Committee for the Chicago Board of Underwriters. He won the national Big "I" L.P. McCord for directing the most outstanding agent education program in the country for large states.

He also taught Certified Financial Planning courses at Roosevelt University and Harper College, authored a life and health manual for Commerce Clearing House, and is a member of the Speakers Bureau for the National Underwriter.
Dick received an award from the Governor of South Dakota for the educational seminars provided to state agents and has given seminars in over 20 states, including life and health seminars (13) for the hearing impaired and a radio program on insurance for the visually impaired.

Richard I. Hartzen
50 Lake Boulevard
Buffalo Grove, IL. 60089
(847) 279-8002

EdGalloway (2).jpgEd Galloway is the President of Commercial Insurance Services of Virginia, Inc., a premium audit outsourcing company, which has been serving the insurance industry since 1989.  Prior to co-founding CIS, Ed worked as a field auditor for Tenn-Ky Services, National Technical Services and General Information Services.  Ed has a BS in Accounting from Freed-Hardeman University. 

Ed holds both the Associate in Premium Auditing (APA) and Certified Insurance Premium Auditor (CIPA) certificates.  Over the years, he has served as an officer for the Insurance Auditors Association of Virginia, having served in most of the offices several times. He has also served as the President of the National Society of Insurance Premium Auditors (NSIPA) both for the 1994/1995 term and for the 2010/2011 term.  He served as Treasurer of NSIPA from 2011 - 2015.  He is also a member of the Education Subcommittee at the Premium Audit Advisory Service. 

Additionally, Ed has served on the board of several local non-profit associations, including his local recreation association, his homeowner's association, a float fisherman organization, and local and regional PTA organizations.  He has also served as the treasurer of his church.

Ed enjoys the idiosyncrasies of the Workers' Compensation and General Liability manuals and is often called upon by insurance companies and agencies to help classify difficult risks.

EBS Head Shot 2008.jpg

Edward B. Scheinuk, CPCU serves as Area Executive Vice President of Arthur J. Gallagher & Co. in New Orleans, Louisiana where he provides risk management and insurance counsel to regional, national, and international commercial accounts. 

Ed is a native of New Orleans. He graduated from the University of New Orleans with a Bachelor of Science degree in Business Administration and a minor in Computer Science in 1981. Subsequent to that, Ed moved to New York where he worked as an underwriter at CG/Aetna Insurance Company and attended The College of Insurance, now part of St. John's University. In 1982, he completed the requirements for and received a Professional Diploma in Risk and Insurance from the College of Insurance. Ed returned to New Orleans in 1982 and commenced work serving the requirements of commercial clients. In 1984, he was designated a Chartered Property Casualty Underwriter by the American Institute of Property and Liability Underwriters.

Ed currently serves on the 'Ask an Expert' panel of Independent Insurance Agents & Brokers of America, Inc.  He was a founder and served as a director of ConfirmNet Corporation from 1998 until its 2008 acquisition by Ebix, Inc. Ed's professional affiliations include The Society of Chartered Property and Casualty Underwriters and the Risk and Insurance Management Society.

DeimlingGreg.jpgGreg Deimling, CPCU, ARM, AMIM is a principal in Malecki Deimling Nielander and Associates, LLC. He has been in the insurance and risk management industry as an agent and consultant for over 35 years. Mr. Deimling provides Risk Management and General Management services to a diverse group of both public and private firms and individuals.

Greg is a principal in Malecki Deimling Nielander and Associates, LLC.

Mr. Deimling brings a unique set of skills and abilities to each assignment. He is well versed and competent in a variety of fields. This unique combination of hands on learning, formal training, volunteer and civic involvement coupled with life experiences provides the client a solid return for their consulting investment.
He has been in the insurance and risk management industry as an agent and consultant for over 35 years. Mr. Deimling provides Risk Management and General Management services to a diverse group of both public and private firms and individuals covering a wide range of subject matter and assignments. He provides litigation support and assistance as an expert witness regarding insurance coverage interpretation, policy formation, technical analysis of insurance contracts and agent, broker and insurer standards of conduct. Many of his assignments involve his negotiation and problem resolution skills and techniques, whether in a business setting or in the support of pending or actual litigation.
Mr. Deimling began his insurance career in 1970, upon his discharge from active duty with United States Air Force. He spent the next twenty three years associated with a family owned independent insurance agency, Globe Insurance Agency, Inc. eventually serving as president until 1993. As an insurance agent, he sold and serviced accounts from the smallest to large, both individual and commercial enterprises. He is a licensed insurance agent in the State of Ohio and a licensed Insurance Consultant in the Commonwealth of Kentucky. Currently, he maintains an affiliation with agency as a principal and a member of the management team.
In 1989 he founded Globe Business Services, Inc a risk, insurance and management firm to provide consultative services to wealthy individuals, public and private concerns on a wide variety of insurance and management topics. This firm became the predecessor to Gregory G. Deimling and Associates.
Mr. Deimling received his CPCU Chartered Property and Casualty Underwriter designation in 1976 and has a history of twenty years volunteer involvement at the national level. A member and past president of the Society's Cincinnati Chapter, and a member of the CLEW Consultants, Legal, and Expert Witness Section, he has also served nationally as Secretary-Treasurer, regional vice president, East Central Region, national governor, member of the Strategic Planning Committee, and chairman of the Interest Sections Governing Committee and Budget and Finance Committee.
In addition to earning the CPCU designation, Deimling also holds the AMIM Associate in Marine Management and ARM Associate in Risk Management designations from the Insurance Institute of America and is a graduate of the National Leadership Institute and an instructor for the Institute. He also maintains qualification in the Continuing Professional Development Program.
Mr. Deimling is a graduate of the University of Cincinnati with a undergraduate degree in Business Administration with an insurance major. He received his Masters of Business Administration, majoring in Finance from Xavier University in 1980.
Additional professional affiliations include the national and Ohio Association of IIABA, the Risk Education Society, Cincinnati Insurance Board, and ACORD.


Jjaywilliams.jpgay Williams, CIC, CRM, AAI, AIP, ACSR is a veteran of the insurance industry, starting his career in 1979. His agency history includes being a producer, setting up and managing an agency marketing department, commercial lines manager, VP/agency operations manager, and an agency owner. 

Jay worked with the Florida Association of Insurance Agents (FAIA) starting in 2000 as a sub-contractor and subsequently became a staff member in May of 2001. He was the Managing Director of FAIA Member Services, Inc., the Association’s for-profit subsidiary.  In that capacity, Jay wrote and edited the study manuals for both the FL Agent and FL Adjuster licensing exams while also serving on the Exam Review Committee.
In 2009 Jay was recruited by Bankers Insurance Group to be the President of Bankers Underwriters, Inc., their sales and marketing subsidiary. At the same time, he was also made President of Bankers Employer Services, Inc., their Professional Employer Organization set up for the purposes of distributing Workers’ Compensation through their Independent Agent network.
In 2012 Jay became the VP of Sales and Agency Relations for UPC Insurance Company based in St. Petersburg, FL. Prior to stepping down from that position, he was instrumental in taking the company from single-state model to a multi-state organization currently writing in nine states and licensed in 18.
Jay most recently served as the Interim CEO for Applied Client Network, the association of member users of Applied System agency management software. He was instrumental in the successful transition to their new relationship with SmithBucklin. 
Jay has been teaching formal insurance classes since January, 2000.  He began teaching the Florida 200-hour pre-licensing class. While with FAIA/FMS, he taught numerous technical insurance classes.  In addition, Jay is a highly respected authority on agency E&O loss control. During his term at FAIA/FMS he served on IIABA’s Loss Control Working Group for a number of years and was a member of the Professional Liability Committee for IIABA that oversees the national Big I E&O programs when he left FAIA in 2009. His experience on the agency, association, and company sides gives him a uniquely rounded perspective on the insurance industry.
Jay is currently a consultant to insurance companies, associations, and industry-related partners. In addition to teaching classes across the country, he also serves as an expert witness and a subject matter expert.
3 2016
LuceyJean.jpgJean E. Lucey, CPCU is the former Library Director for the Insurance Library Association of Boston.
University at Albany (New York)
BA in English (Spanish minor), 1968
Masters in Library Science, 1969
Chartered Property Casualty Underwriter designation conferred 1986
Work experience:
Librarian and substitute teacher, Central Square Public Schools, Central Square, NY, 1969-1973
Tucker-Smith Insurance Agency, Delmar, NY, 1973-1979
Insurance Library Association of Boston, 1979-2012 (Director 1980-2012)
I am a participant in the IIABA’s Virtual University program.
The independent Tucker-Smith Insurance agency sold and serviced a book of business that was roughly 70% personal lines, 30% commercial. During my first year with the agency, I obtained my New York State broker’s license. I dealt with insureds directly, both in and out of the office, and developed my own book of business at the urging of the agency owner.
Upon a move with my husband to Boston in 1979 when a job opportunity presented itself to him, I began working at the Insurance Library Association of Boston. When the then-Director left in early 1980, I became the Director, serving in that role until retirement from it in November of 2012. My responsibilities at the Library, in addition to administrative functions and oversight of an extensive education program, included the performance of reference and research work regarding insurance and insurance coverage. Some of the research was responsive to inquiries from consumers, but the majority (80%) was initiated by insurance agents, expert witnesses and consultants, and attorneys.
I have a strong grounding in all property/casualty lines of insurance and am familiar with many nuances of coverage. Perhaps more important, I recognize when a better understanding of any particular matter is necessary, and know how to perform effective, targeted research. Such research is clearly most productive when primary sources, such as bulletins and notices from the Insurance Services Office, are available.
In terms of coverage, my particular areas of strength are:
· Commercial General Liability
· Commercial Property
· Homeowners and personal auto
Functional strengths include:
· Summary and analysis of policy language and terms
· Underwriting
· Agents’ legal responsibilities
Jean E. Lucey, CPCU
1313 Washington Street
Apartment 424
Boston, MA 02118
About the Insurance Library Association of Boston
The Insurance Library Association of Boston was founded by industry leaders in 1887 and has operated continuously since that year. The collection has grown in the intervening years and now encompasses materials both historical and contemporary, all of which are cataloged by subject-specific librarians. That means that a volume from 1885 may well sit on a shelf next to one from 2009 if their topics are the same. We subscribe to scores of insurance periodicals, all of which we index in a proprietary database. And of course, some of our patrons’ information needs are best met through use of the online services to which we subscribe, many of which might prove prohibitive in cost to those patrons.
We like to think that we can provide information on any insurance-related subject, old or new. Sometimes that means we are tracing an insurance company that merged, changed its name, or was dissolved in decades past (we always like it when we can find a current incarnation). Sometimes we are finding items from the insurance trade press that talk about changes in standard coverage forms that are contemporary to when those changes were being made and shed light on the rationale. Sometimes we are finding case law interpreting various policy provisions. Every day seems to bring something new.
An education program begun in 1890 still makes available a wide variety of insurance-related courses including classes addressing the curriculum of the Insurance Institute of America and the Chartered Property Casualty Underwriters. Special seminars provide focus on more specific subjects and issues.
We are a non-profit 501[c][3] organization and receive no public funds. We are open at no charge to members of the public, including students, who have a need for the information we can provide. Our main sources of support are annual membership dues and revenue from our education programs, supplemented by research fees. Members are charged nothing in additional to document provision charges (scans, photocopies and the like) if we are answering an uncomplicated “reference” question for them. If we are asked to perform in-depth research into a particular subject, members are charged a reduced hourly rate: non-members pay a higher rate, and are required to pay for at least one hour of our time up-front.
Our members number some 425 individuals and firms from states all over the country. Anyone who needs reliable information about insurance can benefit from a membership. Much additional information about the Insurance Library Association of Boston and its activities can be found on our website at The website also facilitates email communication with the staff, and can be used to establish a membership or register for a class.
 2 2016
Jerry Kennedy.jpgJerry L. Kennedy, CIC owns and manages an agency in Grand Coulee, Washington. He has long been an advocate of professional continuing education and is a National Faculty member and Educational Consultant for The National Alliance. He served as a member of the Board of Governors for the Society of Certified Insurance Service Representatives (CISR) from 1995-2001.
Active in the industry, Jerry served on the technical committee of the Independent Agents of Washington and chaired the Far West Agents conference, a technical forum with Insurance Services Office. He currently serves as faculty for the Big “I” Virtual University. Jerry was honored by the PIA of Washington/Alaska as "Agent of the Year" in 1994 and served as President of the Association in 1997-1998.
Jerry is an active volunteer in his community having served as Chamber of Commerce president, School Board chair, church treasurer and volunteer firefighter. He received the Award of Merit for his service to Scouting. In 1995, he was named "Business Person of the Year" by the Grand Coulee Dam Chamber of Commerce. He currently serves as Treasurer of the Grand Coulee Dam Rotary Club, as well as on the Board of Commissioners of a local hospital, Coulee Medical Center.
Jerry L. Kennedy, CIC
Foisy & Kennedy, Inc.
P.O. Box 69, Grand Coulee, WA 99133
Office: 509-633-0410 x16
Fax: 509-633-2905  

NoPhotoAvailable.jpgJames T. Harrison, Jr., CPCU, CIC, CLU, ChFC is an insurance agent in Tallahassee Florida. His agency is Security Bond Associates Inc. of Tallahassee. He also owns the Florida Insurance School - Continuing Education, Inc. and the Florida Insurance Education Service.


Jim earned undergraduate and graduate degrees at the University of Texas at Austin. He graduated with honors from the Florida State University College of Law in April 1991.
Jim served as an Assistant Professor of Finance and Insurance at Florida State University for five years beginning in 1974. He worked with the Society of Certified Insurance Counselors from the inception of the program in 1969 until 1984 and is a member of the Society's National Faculty.
Jim has spoken to insurance audiences in 50 states, Puerto Rico, Panama, and England on various insurance topics. For his work with insurance audiences, Jim was honored in 1991 as the first recipient of the PIA Insurance Foundation's award for excellence in continuing education.
Jim was admitted to the Florida Bar in December 1991. He is also admitted to practice in the Federal Court for the Northern District of Florida and is admitted to practice before the Eleventh Circuit Court of Appeals.
Jim holds the professional designations, CPCU, CIC, CLU, and ChFC.




Pictures - Jim 201555.jpgJames R. Mahurin, CPCU, ARM is a risk management and insurance consultant providing fee-for-service assistance to the insurance buyer. He performs risk identification studies and audits the technical quality of commercial insurance programs in relation to identified risk. Jim also prepares documents for the insurance buyer to use in seeking proposals from insurance providers and helps the buyer evaluate proposals received from the insurance industry. A small part of his practice is litigation support and expert witness work for law firms. For information about his consulting services, contact Jim at 207 Third Avenue, North, Franklin, TN 37064, 615-790-0083, or visit his website at Click Jim's photo to email him.
Jim has had consulting projects from Alaska to Florida, Maine to Oregon. Clients include contractors, colleges, mines, adventure sports, financial institutions, public entities, oil spill response organizations, national lobbying organizations, destination resorts, public pollution funds, national unions, condominium developers, interstate toll highways, law firms, and a host of others.
He has had substantial experience with pollution liability and pollution remediation funding. He developed a state pollution remediation/financial responsibility insurance fund for petroleum storage tanks in 1990 that was cited by the U.S. Environmental Protection Agency in 1997 as one of four models for states with troubled funds to consider in the redevelopment of their programs.
Jim entered the insurance industry as an Aetna C & S marketing representative in 1973. He spent nine (9) years as an independent agent. The consulting practice was opened in late 1984. Jim is author of Personal Risk Management Survey published by the International Risk Management Institute and several senior level seminars.
Jim has been president of CPCU chapters in two states. He is a member of the Society of Risk Management Consultants and serves on the board of directors.
2 2016



John R. Chesebrough, CPCU, CLU, ChFC, ARM, AU, AIM, AINS is currently an Insurance Consultant with Chesebrough Associates. He is married, has three children, six grandchildren, three great grandchildren and resides with his wife, Carol, in Orlando, Florida.
Before entering the insurance industry, he served during the Korean conflict as an army officer after graduating from UCLA. Twenty years ago, he retired from Farmers Insurance Group after 42 years with expertise in underwriting, management development and training programs.
John continues to stay active in the insurance industry by teaching insurance courses for the Insurance Educational Association (IEA). Currently, he is active with the Central Florida Chapter of CPCU. He was the Charter President of the Idaho Chapter of CPCU and has fulfilled the requirements of the CPCU Continuing Professional Development Program since its inception. He was active for many years with the Los Angeles Chapter of CPCU, serving in various leadership capacities.
John served two terms on the Society of Insurance Trainers and Educators’ (SITE) Board as Western Regional Vice President. He also served four years on the Insurance Institute of America’s Advisory and Examination Committee.
John has been an insurance teacher for over 50 years and has received numerous awards as recognition of his significant contributions to the insurance industry. He has written published insurance articles for SITE (Society of Insurance Trainers and Educators) and Underwriting Trends, a newsletter published by the Underwriting Section of the Society of CPCU. He co-authored an article called "Personal Umbrella Liability Insurance - A Critical Analysis" which was published in the June 1995 issue of the CPCU Journal. Active membership is maintained in the Society of CPCU and SITE.
During his extensive property and casualty insurance career, he developed numerous underwriting training programs and assisted with the editing of several insurance textbooks.
He received the CPCU designation in 1967 followed by designations of CLU, ChFC, ARM, AU, AIM and AINS.
11 20 13

JoLynda Hayes, CLCS, CISR, AIS, AINS is currently a Learning and Development Consultant with Holmes Murphy & Associates' Property Casualty division. She began working in the insurance industry in 2004.

JoLynda is responsible for curriculum development and facilitation of insurance coverage education. She is also in charge of developing and facilitation training on best practices, policies, procedures, essential skills and systems. Additionally, JoLynda consults with all levels of management to perform needs analyses at employee, division, and enterprise levels to identify learning gaps and develop solutions.

JoLynda graduated Magna Cum Laude with a Business Administration/Management degree from Grand View University. In addition to her education, she has earned her Commercial Lines Coverage Specialist (CLCS), Certified Insurance Service Representative (CISR), Associate in Insurance Services (AIS), and Associate in General Insurance (AINS) designations.

Active in the insurance community, JoLynda is a member of the Society of Certified Insurance Services and served as an officer with Insurance Association of Greater Des Moines, Inc. (IAGDM). She works as a consultant with Prometric to write and review license exam questions. Also, JoLynda is a member of the Association for Talent Development.

When she's not at work, JoLynda enjoys spending time with her family, reading, watching movies, and crocheting.

Laurie VanderWal is a licensed insurance professional with 30+ year experience and is currently an independent insurance agent.  She has been speaking and training on cyber issues including identity theft and data breach management for 15 years.

She has developed a portfolio of curriculum for insurance professionals with both traditional subject matter and cyber related topics including compliance and ethics for today's technology culture.  She offers training in risk management on privacy and security of data that will assist business in managing their liability and vulnerability to a data loss. 

KatzMarshall.jpgMarshall Katz, MS, CIC, AAI, LIA, LUTC teaches full-time for the MA Association of Independent Agents on a variety of subjects from personal lines licensing to CISR and CIC designation programs. In his spare time he also sells personal and commercial products for a local agency. Click Marshall's photo to email him.
Marshall Katz currently teaches full-time for the MA Association of Independent Agents on a variety of subjects from personal lines licensing to CISR and CIC designation programs. In his spare time he also sells personal and commercial products for a local agency. Marshall started in the industry working for a direct writer in their personal lines sales department and after many years with them opened his own independent agency. The agency wrote personal and commercial lines as well as life and health products. He juggled agency duties with teaching classes for 30 years and has since sold the agency to be able to concentrate on facilitating classes. He recently started back into personal production with an agency in MA producing personal and commercial lines, as well as life products.
Marshall has a Bachelors degree from Clark University with a major in accounting and a Masters degree also from Clark with a major in Marketing Communications. He is a licensed producer in MA and CT and a licensed insurance advisor in MA.
2 2016

Michael Gay, MA, CPCU, ARM, AAI, CRIS is the National Sales Manager – Coach & Insurance for Volvo Financial Services, Inc., a part of the AB Volvo Group.

Michael has been in the Property & Casualty insurance business since 1983, when he began his insurance career by founding a risk management consulting firm. There he conducted risk management and alternative insurance program studies for local, state, quasi-governmental, and federal agencies; national and regional trade associations; and privately-held commercial enterprises.

In 1985, Michael co-founded a managing general agency/underwriter specializing in public entities, transit operations, commercial towing companies, automobile dealerships, and specialty errors and omissions programs. When this company was sold in 1990 to a national brokerage operation, Michael continued with this broker, where he served as the Executive Vice President of Underwriting for Specialty Programs. In 1992, Michael opened a personal lines retail agency for a local bank and expanded the agency’s reach into an eleven-county area of North Carolina. In 1992, Michael also started a commercial insurance agency and operated that agency until it was sold to a key employee in 2004. In 1998, Gay founded a Program Manager, writing public entities on behalf of a large, national insurer. This company was sold in 2003 to a national brokerage operation. Following a two-year sabbatical, in 2005 Michael went to work for a regional transportation managing general agent as its Director of Marketing. In 2008, Michael went to work for Volvo Financial Services to run their national insurance operation, Volvo Insurance Services, where he is currently employed as the National Sales Manager of Coach & Insurance.

In 1991, Gay qualified with the North Department of Insurance to teach insurance continuing education classes. Michael teaches continuing education classes, and provides litigation support to attorneys as a property and casualty insurance expert witness in the areas of complex insurance coverage issues, and insurance agents’ duties and responsibilities.

Michael has earned the professional insurance designations of Accredited Advisor in Insurance (AAI), Associate in Risk Management (ARM), Certified Insurance Consultant (CIC), Chartered Property & Casualty Underwriter (CPCU), and Construction Risk & Insurance Specialist (CRIS). He holds a property and casualty insurance license in 49 states. He graduated Summa Cum Laude from Liberty University with a B.S. Degree in Interdisciplinary Studies, and Summa Cum Laude from Liberty Theological Seminary with a Masters of Religion.

Michael is a member of the Independent Insurance Agents of North Carolina and serves on its Technical Services Committee; the Insurance Literary Institute; the North Carolina Surplus Lines Association; and the Society of CPCU.

Michael has authored more than 65 continuing education courses and instruction guides and taught continuing education courses to 6,500+ insurance agents, adjusters, and paralegals.

Michael is married and has two adult children. His current hobbies include reading about the Civil War and Ancient History.​

DeemPatrick.jpgPatrick A. Deem, Sr., CIC is a Licensed Risk Manager in Texas where he founded Risk Management and Insurance Education Services in Austin, Texas, an independent company which serves insurance companies, agents and insureds. Patrick holds the Certified Insurance Counselor (CIC) designation that he obtained in the spring of 1984. He has been a member of the Society of CIC’s National Faculty since 1986 and has lectured and consulted around the country.
Patrick Deem began his insurance industry career in December of 1969 with the USF&G Insurance Company in their Louisville, Kentucky Branch Office. With over thirty years in the insurance business, Patrick has been an Underwriting Manager, Sales Manager, Excess and Surplus Lines Underwriter, and an Independent Insurance Agent.
Patrick has published several articles and conducted numerous seminars on the technical subjects of property and casualty insurance for both Insurance and Trade Associations on a state and national basis. In addition, Patrick has been engaged as an insurance consultant and testified as an expert witness in various fields associated with the insurance industry.
Currently, Patrick is a Licensed Risk Manager in Texas where he founded Risk Management and Insurance Education Services in Austin, Texas, an independent company which serves insurance companies, agents and insureds.
Patrick holds the Certified Insurance Counselor designation that he obtained in the spring of 1984. He has been a member of the Society’s National Faculty since 1986.
MartinPaul.jpgPaul Z. Martin, CPCU is an education consultant and owner of PZ Martin Education Strategies, Inc., a firm dedicated to making insurance industry professionals better through customized education and support. Click Paul's photo to email him.
Paul Z. Martin, CPCU is an education consultant and owner of PZ Martin Education Strategies, Inc., a firm dedicated to making insurance industry professionals better through customized education and support. His varied insurance career includes experience as an adjuster, underwriter, special agent, company manager, independent agent, and over a decade as an insurance educator in Texas.
Paul is a Texas native and graduate of Texas A&M University where he earned a BBA in Management. He began his career in insurance right out of school becoming a multi-line “old school” claims adjuster where he was given a brief case, camera, a stack of settlement forms, and some drafts and instructed to take care of every claim in his territory – car accidents, workers’ compensation claims, homeowners losses, everything. Fortunately that territory was familiar, surrounding his hometown of Tyler, Texas. The experience not only gave him a wide-ranging education in insurance coverage, but it taught him what insurance policyholders and claimants alike really want, to be treated in friendly and respectful manner during a stressful time in their lives.
Eventually, Paul was given the chance to widen his experience in insurance by becoming what was then an endangered species, and which today is practically extinct, a special agent for a regional insurer. As a special agent, Paul was responsible for the commercial underwriting, and marketing, for over 60 independent agencies in Alabama, Mississippi, and Georgia. There he developed particular expertise in writing large difficult workers compensation led accounts. Tutored by experienced veterans in the business, Paul thrived as he continued his professional education.
The underwriter gig eventually turned into a chance to become a partner in a family agency in Jackson, Mississippi. Here he learned how the bills really get paid as an agent, with sales. He learned what it took to sell to oil and gas operators, poultry processors, manufacturers, municipalities, schools, and much more. Again, the theme was large accounts, often with problems needing special attention, and working with underwriters to find a way to get accounts written. Eventually, the tug of home lead Paul onto his next insurance adventure, joining the fledgling Texas Workers’ Compensation Insurance Fund in Austin, Texas.
The Fund was operating in a period of market anxiety in Texas and Paul was recruited to speak to the public, the current and future policyholders of the Fund, about its mission, its services and the environment that a new workers’ compensation statute had created in Texas. His public education efforts were followed by new agency education programs, which eventually lead him into management.
Paul left the Fund to join the Independent Insurance Agents of Texas in the mid 90’s as a staff agent educator and course writer. He later became the director of education for the association where he lead in the development of new course programs, new education formats, new certification programs, and managed delivery of over 250 days of classroom training all across Texas. He also was the central contact for new producers and young agents in the state, a natural fit given his many years of training new producers.
Today Paul enjoys pouring his experience and teaching into industry professionals however and whenever he can.
Paul Z. Martin
PZ Martin Education Strategies
163 Ficus Ct.
Driftwood, Texas 78619
3 2016


Pauline Thomas, CRM, CIC, ARM, CISR is principal of Effective Risk Management an independent insurance and risk management consulting firm in Irvine, California.  She provides fee based transactional consulting services to buyers of insurance and provides litigation consulting and expert witness services to legal counsel. 
Pauline has worked in the insurance and risk management industry since 1971.  Her experience includes retail, wholesale, general underwriting agent, excess and surplus lines, insurance company and consulting.  Pauline has earned the Certified Risk Manager, Certified Insurance Counselor, Associate in Risk Management and Certified Insurance Service Repesentative designations.  She is a Past President of the Society of Risk Management Consultants, and also has served as secretaryand as a director and has chaired and served on several committees.  Pauline is licensed as a consultant, producer, agent or broker in 10 states. 
Pauline is a member of the Society of Certified Insurance Counselors and is a Fellow of The Academy of Producer Insurance Studies.  She is a member of CPCU, the Forensic Expert Witness Association and an Associate Member of the Orange County Bar Association Insurance Law Section.  She has taught the Building Owners' and Managers Institute International class RPA 4 Risk Management and Insurance and worked with the Institute of Real Estate Management Orange County chapter on their Guest Professional Colleague Program.  She has co-authored and authored insurance manuals, seminars and articles on insurance and risk management.
Effective Risk Management helps clients reduce their liabilities and potential cost of risk through professional attention to risk identification, evaluation and treatment programs.  Pauline assists clients with risk related strategies to help stabilize and improve the client’s long term financial position without compromising the effectiveness of the risk management program. 
Effective Risk Management usually works directly for risk bearers, e.g., buyers of insurance, attorneys, CPAs and other business consultants to assist with claims or insurance negotiations, develop contract clauses, perform due diligence audits and respond to insurance and other risk related questions.
For some clients Pauline acts as a part-time risk manager by advising the CEO, COO or CFO on day to day decisions and assisting with on-going program administration.  This might include exposure identification; evaluation of indemnification, hold harmless and insurance clauses in contracts; advising on claims, risk control, and insurance program design; evaluating and recommending updates to risk financing programs, verifying workers’ compensation dividend or classification data, evaluating performance of service providers and assisting with other risk related activities. 
Effective Risk Management does not sell insurance nor is it affiliated with any insurance brokerage or insurance company.
Richard S. Pitts is Vice-President and General Counsel to Arlington/Roe & Co., Inc., an insurance brokerage and managing general agent headquartered in Indianapolis. Rick also serves as general counsel to the Independent Insurance Agents of Indiana, Inc. As counsel to the “Big I,” Rick speaks annually at the association’s Agency Compliance Seminars. Rick teaches various seminars on insurance and employment related matters nationally. Rick is a 1983 graduate of Wabash College and a 1986 graduate of Indiana University School of Law – Indianapolis.

Click here for a list of seminars presented by Richard S. Pitts. ​ 

Richard S. Pitts
8900 Keystone Crossing, Suite 800
Indianapolis, IN 46240

BetterleyRick.jpgRichard S. Betterley is the president of Betterley Risk Consultants, a national risk management consulting firm founded in 1932. He has been a consultant since 1975, and president of the firm since 1984. Click Rick's photo to email him.
Richard S. Betterley is the president of Betterley Risk Consultants, a national risk management consulting firm founded in 1932. He has been a consultant since 1975, and president of the firm since 1984.
He holds a Bachelor of Arts degree from Bates College and is a past president of the New England Chapter of the Institute of Management Consultants, Inc., the certifying body of the management consulting profession. He has also been a member of the Institute's National Board of Directors. He was awarded the Certified Management Consultant designation by the IMC, recognizing experience and expertise in risk management as it relates to general management.
Mr. Betterley's special areas of expertise include insurance coverage and services, risk analysis, risk management departmental effectiveness, risk financing feasibility studies, as well as development of other alternatives to traditional insurance. He has performed consulting projects for major corporations, as well as various large institutional, healthcare, and public sector organizations.
He is a frequent speaker on risk and insurance management topics before organizations such as the Risk and Insurance Management Society's annual conference, and is the author of The Betterley Report.
Betterley Risk Consultants, Inc.
Thirteen Loring Way
Sterling, MA  01564
Tel:  978-422-3366
11 20 13

Federici-123.jpgRobin C. Federici, CPCU, AAI, ARM, AINS, AIS, CPIW has been writing and presenting insurance education programs to the insurance industry for over 30 years. She formed Insurance Education & Training Associates (IETA) in 2003, after serving the Independent Insurance Agents of Rhode Island (IIARI) for sixteen years; first as Director of Education and subsequently as Assistant Executive Vice President. 

This followed a lengthy career in both underwriting and sales with insurance agencies and companies. Even during her agency and company days, Robin created education courses to present to her peers as a volunteer instructor for IIARI.
Robin is the author of Swiss-Re’s current E&O program – “E&O Management – Meeting the Challenge of Change”. Her extensive and varied background, coupled with her knowledge of both the agency and company operations, and her love of teaching, adds a unique dimension and immediate and practical value to the programs she presents to insurance professionals countrywide.

Sam Bennett, CIC is an active retail producer, presenter, and shareholder in Harrison Agency, Inc. of Columbia, MO. He began his insurance career in 1987 and has been an Independent Insurance Agent from the beginning. He has worked with individuals, families, and small businesses his entire career. In this capacity, he has worked personal lines, commercial lines, agribusiness, and life and health marketplaces. As a result of working with many types of clients, many carriers, and many coverage needs, Sam has grown to understand and appreciate the many important ways an insurance professional must work with markets and clients in today's insurance world.

Sam obtained his certified Insurance Counselor (CIC) designation in 1996. He has taught coursework for the National Alliance in their CISR program since 2004 and in 2009 became a National Faculty Member of the Society of CIC. Sam also is a National Faculty Member in the Agribusiness and Farm Insurance Specialist (AFIS) program and IRMI's Construction Risk Insurance Specialist (CRIS) program. He has been called upon to offer insurance education in conference and symposiums across the country over the past fifteen years and has provided services to several law firms in the capacity of expert consultant.

Sam is Past President of the Missouri Insurance Education Foundation.

LeMayScott.jpgScott M. LeMay, CRM, ARM, CIC, is the president of  LeMay+Lang, LLC.  Click Scott's photo to email him.
Scott M. LeMay, CRM, ARM, CIC is the president of LeMay+Lang, LLC, a diversified financial consultancy. Scott has worked in commercial property and casualty insurance for over thirty years.
Scott earned the Certified Risk Manager (CRM) credential from the Society of Certified Risk Managers. He holds an Associate in Risk Management (ARM) designation from the Insurance Institute of America, and he earned the Certified Insurance Counselor (CIC) credential from the Society of Certified Insurance Counselors.
Scott has taught professional continuing education and certification courses in insurance, including the C.I.C. program. He has written articles published in financial journals, and has been a contributing editor to books dealing with financial valuation.
Scott holds a Master of Business Administration (MBA) degree from the University of Memphis and a Bachelor of Science degree in Business (BSB) from the University of Minnesota.
Before starting his own practice, Scott was an award-winning account manager, district sales manager, and region manager for a specialist insurance company that insured primarily dealership operations. Among his awards was recognition as Commercial Producer of the Year, President's Club Member, and frequent award trip winner. He has been a corporate officer and project manager with Marsh, Inc., and Sedgwick, Inc., the largest and third largest (at that time) international insurance brokerages.
Prior to working in risk management, Scott served with distinction in the United States Army with the 4th Infantry Division and with Supreme Headquarters, Allied Powers, Europe (SHAPE) in Belgium, and practiced industrial engineering at the John Deere Harvester Works in East Moline, Illinois.

Scott M. LeMay, CRM, ARM, CIC
LeMay+Lang, LLC
Independent Risk Management...Our Only Allegiance Is To Our Client 
7989 Stonewyck Road
Germantown, Tennessee 38138

stephen2.jpgSteven A. Coombs, CPCU, ARM, CRIS joined Risk Resources as president in 1992. Risk Resources is a risk management and commercial insurance consulting firm based in LaGrange Park, Illinois. Risk Resources does not sell insurance and provides consulting services on a fee-for-service basis. Common projects include risk management and insurance audits, insurance RFPs/proposal management, agent/broker selection, risk financing studies, litigation support and testimony.

Before joining Risk Resources, Mr. Coombs served as a risk management consultant with a national consulting firm for 8 years. Prior to that, he spent 7 years developing his skills as a national accounts underwriter for a large international insurance group. He has extensive knowledge and experience regarding risk management and insurance.  He is co-author of The Builders Risk Book (IRMI 2010) and Workers Compensation Guide:  Coverage and Financing (The National Underwriter Co., 2012). He has written numerous articles on insurance coverage and practices. He is also a former President of the Society of Risk Management Consultants.

Mr. Coombs is a graduate of Western Michigan University with a Bachelor of Business Administration. He holds an M.A. from DePaul University with a concentration in Risk Management and Insurance. He has earned the Chartered Property Casualty Underwriter (CPCU) designation from the Institutes, Associate in Risk Management (ARM) certificate from the Insurance Institute of America and the Construction Risk and Insurance Specialist (CRIS) designation from the International Risk Management Institute.

His CV and other information about Risk Resources is available at

Steven A. Coombs

Risk Resources, Inc.
410 N. Spring Avenue
LaGrange Park, IL 60526
(630) 617–5229
PowellStuart.jpgStuart Powell, Jr., MA CPCU, CIC, CLU, ChFC, ARM, AMIM, AAI, ARe, CRIS is an Executive in Residence in the Walker College of Business at Appalachian State University.

Stuart has been personally involved in the insurance business for over 40 years. He joined the staff of IIANC as Director of Education in 1995.  In 2004 Stuart became Vice President of Insurance Operations and Technical Affairs for IIANC.  In 2014 he served briefly as Interim CEO of the Independent Insurance Agents of North Carolina, Inc., IIANC Member Services, Inc., and the North Carolina Association of Insurance Agents, Inc.  As VP of Insurance Operations, he managed the designated insurance agency for the State of North Carolina placing all coverages which the State does not self-insure, was administrator of the IIANC Errors and Omissions Insurance program of agents and managed the insurance benefits operations for members of the Association.  Stuart is semi-retired but continues to teach, write, is a frequent speaker on insurance matters and is a technical resource for 600+ agencies and 6,000+ agents that are members of IIANC.

Prior to joining the IIANC staff, Stuart was the owner of The Powell Agency, Inc. of Reidsville, NC, a family agency whose roots can be traced back to the 1890's.  He has been a frequent instructor of insurance courses.  Stuart is on the National Faculty for the Society of Certified Insurance Counselors (CIC).  He has taught in various CIC Institutes and Graduate Seminars.  He is the author of numerous articles on insurance and related matters.  He is also a past president of the Piedmont North Carolina Chapter and a past board member for the Eastern North Carolina Chapter of the Society of CPCU.  Stuart served on the National Producer Advisory Council for Commercial Union Insurance Company from 1979-1981.  In 1991 he was presented the Ernest F. Young Education Award by IIANC.  Stuart is a member of the Risk Management and Insurance Program Advisory Board for East Carolina University School of Business.   IIANC is endowing a scholarship in Insurance and Risk Management at East Carolina University in Stuart's name.  He also serves on the Chairman's Advisory Committee for the North Carolina Industrial Commission and is a member of the Board of Directors for the North Carolina Community College Foundation, Inc.  Stuart retired after twenty plus years with IIANC and assumed the position of Executive in Residence in the Walker College of Business at Appalachian State University where he teaches insurance courses to risk management and insurance majors. 

Stuart graduated from Catawba College in Salisbury, NC with a Bachelor of Arts in Religion and Philosophy. He received a Master of Arts degree from Wake Forest University in Winston-Salem, NC where he was the recipient of a Graduate Scholarship and Fellowship.  Stuart's graduate studies involved a group of Oxford University writers and scholars known as the "Inklings" which included J. R. R. Tolkien and C. S. Lewis among others.  He has written articles and lectured on The Lord of the Rings and The Chronicles of Narnia.

Stuart is married with two children and four grandchildren.  His current hobbies include studying classical languages, sailing, and fly fishing.



KinneyTed.jpgTed Kinney is the owner/President of Kinney Training and Consulting, LLC, which specializes in providing quality insurance training programs to agencies and companies throughout the United States.  

Ted also serves as the Director of Education and Technical Affairs for the Alabama Independent Insurance Agents in Birmingham, Alabama. In this position he is responsible for developing agent education programs and providing technical assistance to association members.
He is also an independent contractor for the Ohio Insurance Agents Association. As with AIIA, he assists with the development of the association’s education programs and provides technical assistance to association members.
Ted has been in the insurance business since his graduation from the Ohio State University in 1973. During his career, he has worked as an underwriter, field sales manager, department supervisor, marketing specialist and trainer. From 1994 to 2003, Ted was the Director of Curriculum and Faculty Development for PIA of Ohio & Indiana. During that time he developed over 150 training courses covering all aspects of the insurance industry.
He has obtained several insurance designations including Certified Insurance Counselor (CIC), Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Underwriting (AU), Associate in Automation Management (AAM), Accredited Advisor in Insurance (AAI), Associate in General Insurance (AINS), Certified Professional Insurance Agent (CPIA) and Construction Risk and Insurance Specialist (CRIS).
He is a member of the national faculty of the Society of Certified Insurance Counselors, the American Insurance Marketing Society (CPIA) and the Independent Insurance Agents and Brokers of America’s “ask the expert” service. In addition, Ted is a member of the Society of Certified Insurance Counselors, the National Academy of Producer Insurance Studies and the Society of Insurance Trainers and Educators.
Kinney Training and Consulting, LLC
Columbus, OH
2 2016
CoomerTim.gifTimothy L. Coomer, ARM has nearly fifteen years experience as a risk management consultant, financial manager, engineer, and software product developer. He is co-founder of SIGMA Actuarial Consulting Group, Inc. and founder and president of Specific Software Solutions, LLC. Professional designations include Associate in Risk Management. Specific Software Solutions' flagship product is ModMaster 2000, workers compensation experience rating software. Click Tim's photo to email him.
Tim graduated from Vanderbilt University with a Bachelor of Engineering degree and a double major in Mathematics and Mechanical Engineering in 1985. He later received a Masters in Business Administration from the Owen Graduate School of Management at Vanderbilt University with a concentration in Finance. Tim has also studied at the graduate level in the area of mathematical modeling and operations research.
Tim is founder and President of Specific Software Solutions, LLC. The business was started in 1991 to provide niche software products to the insurance and risk management industry. In 1995, Tim assisted in the start-up of SIGMA Actuarial Consulting Group, Inc. At SIGMA, Tim supports the formation of marketing strategy, software product development, and the creation and marketing of non-standard actuarial services.
Prior to his involvement with SIGMA, Tim was employed by Teledyne Brown Engineering, Willis Corroon, and PRIMUS (Ford Motor finance subsidiary). At Teledyne, Tim developed computer simulations of ballistic missile defense systems. At Willis Corroon, Tim developed new insurance products, and served on a national consulting resource team. At PRIMUS, Tim was the product manager for a $6 billion finance company.


Specific Software Solutions, LLC is the developer and marketer of ModMaster 2000, the nation’s leading experience rating software and the only software of its type to be licensed by NCCI. The company also markets Loss Forecaster II software and NPVision software.
Tim is married and has four children. He is a licensed pilot and enjoys spending his time with his family and involved with aviation related hobbies. Tim is active in his community through volunteer work and as a certified Stephen Minister in the Presbyterian Church (lay ministry program providing free counseling to the community).


IMG_9506.jpgTim Wahl, CIC has been a licensed insurance agent since 1991 and earned his designation as a Certified Insurance Counselor. Tim serves as Chairman of the Missouri Independent Agents Coverage Advisory Committee where he writes articles to help agents nationwide understand complex policy coverage issues.

Tim represents the Missouri Association of Insurance Agents at a national technical conference each year where he works to broaden and correct many of the policy forms used nationwide today. He was appointed to the Independent Insurance Agents & Brokers of America National Technical Affairs Committee serving 2014-2017 and is a faculty member of the Independent Insurance Agents & Brokers of America's Virtual University.

Tim has proven to be a skilled liaison in working with insurance company managers and underwriters to secure the most efficient and cost effective insurance policies for his clientele. Tim has worked for Gallaher Insurance Group for 23 years; his current position is Commercial Lines Marketing Manager.

In his free time he enjoys spending time with his family, fishing, biking, riding horses, and collecting insurance policies from the 1800’s.
Gallaher Insurance Group
P.O. Box 798
Mexico, MO  65265
573-581-8372 (fax)

SpencerTom.jpgThomas C. Spencer, CPCU, CLU, ARM is the retired president of America One, a franchisor of insurance agencies with offices across Michigan. He has written, taught, and provided expert testimony as well as serving in various capacities with the Michigan Big "I" association. Click Tom's photo to email him.
Currently serving as controller and insurance manager for a marine construction and ship repair firm, Spencer continues as president of InsuranSkills, Inc., a Michigan-based insurance consulting firm.  He is a CPA, has earned an MBA and holds the CPCU, CLU, and ARM designations. He is licensed in Michigan as a property, casualty, and life agent and a property/casualty and life insurance counselor.
Mr. Spencer has owned and managed independent insurance agencies for over 45 years and has performed consulting services for attorneys, accountants, public entities, and businesses. He has provided expert testimony for the defense in a number of insurance agents E&O cases. He has taught insurance subjects at the college level and has written and presented continuing education courses for Michigan agencies.  His articles have appeared in CPCU Journal, Marine Business Journal, Issues in Risk Management, Michigan Banker, In ACORD, and Michigan Counties.
Thomas C. Spencer, CPA, CPCU, CLU, ARM
InsuranSkills, Inc.
P.O. Box 279
Rudyard, MI 49780
3 2016
​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

Follow Us!

Empowering Trusted Choice®
Independent Insurance Agents.​