2014 annual report

2014 ANNUAL REPORT
Message from the President & CEO >>
Personal Lines >>
Commercial Lines >>
Grange Life >>
Integrity >>
Claims Service >>
Community Relations >>
Enterprise P&C Financial Report >>
Grange Life Financial Report >>
Board of Directors >>
Leadership & Agent Advisory Board >>
A MESSAGE FROM THE
PRESIDENT & CEO
Since Grange Insurance was founded in 1935,
our associates have evolved our company in
True Partnership with independent agents.
Together, as Agents of Change, we’ve adapted
to marketplace trends and consumer
demands to deliver peace of mind to our
policyholders. This 100 percent commitment
to independent agents and thriving with
them in the long term has enabled us to
achieve mutual success and endure the
test of time.
Over the past few years in particular, we’ve
been assessing what it will take to remain
relevant for decades to come and significantly investing in our business to ensure we will.
In 2014, we continued to realize the benefits
of those efforts.
We posted yet another year of strong
financial results and progress on our journey
to become a high-performing company. We
increased direct written premium by $73
million versus 2013, ended 2014 with a
combined operating ratio with fees (NCOR)
of 98.0, and increased our surplus to $1.09
billion, all while maintaining our A.M. Best
“A” (Excellent) rating. We continued to
receive high satisfaction scores in our policyholder and agent surveys, and increased our
Better Business Bureau (BBB) rating to A+.
We also recruited a talented pool of
associates with diverse experience and
skills to deliver on our promises of True
Partnership and peace of mind.
At the end of my tenure as President &
CEO, I’ve been proud of what our associates
and agents have accomplished together
on behalf of our customers. It has been an
honor and a pleasure to serve Grange these
past 13 years. With new President & CEO John
Ammendola and the Executive Leadership
Team at the helm, I am fully optimistic
and confident in the company’s future.
To our Board of Directors, agents, associates
and policyholders, thank you for your
commitment to Grange Insurance and
making my career here a rewarding one.
Thomas H. Welch
President & Chief Executive Officer
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Following Tom Welch’s announcement in 2014
that he would retire at year-end, the Grange Board
of Directors elected John Ammendola as his successor.
John assumed the position of President and CEO for
Grange in January 2015. John joined the company
in 2010 as President of Personal Lines before being
promoted to Executive Vice President and Chief
Property & Casualty Officer in 2013.
“It is an honor and privilege to have
the opportunity to lead Grange and
our independent agency partners into
the future. Under Tom’s leadership, we
have started on the important journey
of becoming a high-performing company.
My commitment is to build on that
success. On behalf of our associates,
agent partners and the Grange Board
of Directors, I want to thank Tom for
his leadership and wish him the
very best in his retirement.”
– JOHN AMMENDOLA
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PERSONAL LINES
For the second consecutive year, Grange and our agent partners achieved profitability with
our Personal Auto and Homeowner products, allowing us to maintain competitive and
stable rates for policyholders. To keep up with the ever-changing needs of our customers
and agents, we’re putting significant effort into building the next generation of these two
products, as well as delivering new and differentiated services to help agents compete and
thrive in a digital marketplace.
DELIVERING NEXT GENERATION PRODUCTS
In 2014, we launched the newest version of our preferred auto product, PinPoint
Auto®, in six of the 10 states Grange does business in. The enhanced product
offers more competitive rates and new coverages for customers, and better
quoting technology to help agents do business more easily and efficiently.
For states that have received the new product:
• PinPoint Auto policy uploads are up 20 percent over 2013
• Preferred auto new business has increased 17 percent year-over-year
• Total direct written premium for preferred auto business has
increased 30 percent
KEITH GREGORY
We supported the launch in each state by offering agents a variety of sales and
marketing materials, in-person training sessions and access to an online PinPoint
Auto Sales Center. We also offered automated, co-branded emails to help agents
better engage with customers throughout the quoting and application process.
Agency Principal at Ohio Insurance & Financial Group
TRAVIS FRYE
Personal Lines Underwriter
In 2014, we also began development of the next generation of our Home
product. As with PinPoint Auto, early collaboration with agents will be key in
building a competitive product that meets the needs of current and prospective
policyholders. The new product is planned for an initial pilot release in select
states in late 2015.
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2014 ANNUAL REPORT • PERSONAL LINES
HELPING AGENTS COMPETE &
THRIVE IN A DIGITAL MARKETPLACE
Grange continues to differentiate itself by delivering
Ease of Doing Business® and a best-in-class agent
experience. Value-added services like our Agency
Concierge program, Service Center, Book Roll
program, Agency Performance Programs and
varied underwriting support were all designed to
help agents evolve and grow for long-term success.
In 2014, the amount of premium our agents turned
over to the Grange Service Center grew by 55
percent, totaling approximately $42 million.
WHAT’S COMING IN 2015
In 2015, we’ll finish rolling out the new PinPoint
Auto product to the remaining states in our footprint.
We’ll release incremental updates to the product as
we fine-tune based on agent feedback, and continue
collecting their feedback on the new home product
as well.
AGENT OF CHANGE:
AMERICAN HERITAGE INSURANCE
Blending New Tech with Good Old-Fashioned Customer Service
Mike Rice understands that running
a business in a digital era means
you have to operate differently.
As principal of American Heritage
Insurance, he’s seen the use of
social media for client engagement
become the norm almost overnight.
But amidst the change, he’s not
abandoning the old way, either. In fact,
he’s picking up the phone and calling
more customers now than ever before.
It’s all the result of a retention
program he started in 2012. And
though he considers himself fairly
cutting edge in terms of technology
use at his agency, when the customer
talks, he listens and returns their calls.
And his customers wanted more
personal, one-on-one interaction.
Rice now has his staff call customers
when their policy is up for renewal —
every single one. And while he admits
this approach takes extra time and
resources, retention for personal lines
has increased by five points in two
years. Next, he’s implementing the
program for his commercial business.
“You have to be willing to change,”
he said. “Agents who aren’t willing
to change aren’t going to be around
tomorrow.”
“We asked ourselves how we could
start better engaging with customers,”
Rice said. “We studied retention and
discovered that there was a 10
point difference between
the customers we called
versus those we didn’t.”
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2014 ANNUAL REPORT • PERSONAL LINES
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COMMERCIAL LINES
2014 proved to be a year of positive change
for Commercial Lines under the leadership
of Mike Winner, who joined Grange in June
as President of Commercial Lines. With
the support of our agents, we achieved
significant new business and direct written
premium growth, enabling Grange and our
agents to diversify their books of business.
Our AutoAccel® and BusinessAssure®
products performed particularly well.
• AutoAccel total direct written
premium grew 38 percent
• BusinessAssure grew 25 percent
•Package new direct written
premium grew 28 percent
TOM COLLINS
AVP of Commercial Lines Underwriting
GERRY HEARE
Chief Underwriting & Operations Officer
In an ongoing effort to deliver Ease of
Doing Business®, we continued work to
automate the Commercial Package Policy
(CPP) quoting process and updated the
Property portion with revised rules and
forms for more competitive rates at new
business. Our General Liability product
is next on the docket for these same
improvements. We also recently
revamped the risk control program to
improve service to agents and policyholders
by adding staff, automating processes
and investing more resources.
A ROADMAP FOR SUCCESS
In 2014, we began laying the groundwork
for an organizational realignment that
would enable us to better meet the needs
of our agents and the market. As a result,
we announced a leadership structure
in October that now includes:
•
An appointed single leader of
product development to increase
the consistency and innovation in
the portfolio of products we offer.
• A new AVP of Commercial Lines
Underwriting to integrate and manage
our Package and BusinessAssure
underwriting teams so agents have a
single point of underwriting contact.
This will produce a more responsive,
consistent and predictable
underwriting service.
• A new Chief Underwriting and
Operations Officer to deliver a
consistent, profitable underwriting
strategy and guidelines, as well as
lead specialty underwriting (AutoAccel
and Farm) and the operations
functions across our Commercial
Lines business.
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2014 ANNUAL REPORT • COMMERCIAL LINES
BUILDING MOMENTUM IN 2015
Thanks to the foundational work we accomplished
in 2014, we have great momentum going into this
year. With new leadership in place, we’ll be ready
to realign Commercial Lines underwriting by the
end of first quarter 2015 to maximize our ability
to execute on our strategy. We’ll also continue
building out the technology and expertise we
need to become our agents’ commercial
carrier of choice.
AGENT OF CHANGE:
DIVERSIFIED INSURANCE CONCEPTS
Building Relationships to Do Business with Companies You Like
Jason White started from scratch as
an independent agent in 2010 and
is now closing on his total agency
production goal of $3 million in five
years. A Grange agent since 2012,
Jason’s BusinessAssure production is
up 730 percent from the year before,
and he has several large pending
commercial accounts as he moves
toward a 70/30 ratio of personal lines
to commercial lines business. His
secret? While Jason spent lots of
money on marketing in the past,
he now concentrates on building
the relationships to grow his business.
Jason and his agents regularly meet to
discuss potential commercial business
in their area such as machine shops,
restaurants and even condominium
associations and school systems. It
doesn’t hurt that he owns a commercial office cleaning business that has
helped open the door for cross-selling
to some non-traditional commercial
prospects.
“We like to do business with people
who like to do business with us,” said
Jason, who draws on his own personal
center of influence in networking
and forming relationships to
acquire and retain clients
versus purchasing leads.
“We target commercial
companies and try to
get in front of them
even if it takes three
to six months to get
a relationship going.”
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2014 ANNUAL REPORT • COMMERCIAL LINES
6
GRANGE LIFE
Grange Life delivered another successful year in 2014, partnering with more
agents and developing new product options and process improvements. In 2014:
• First year premiums reached a record high for the third consecutive year,
increasing 8 percent over 2013
• Almost 800 new agents wrote with Grange Life for the first time in 2014
• A brand new Single Premium Universal Life product was introduced
OFFERING NEW, INNOVATIVE PRODUCTS
BASED ON AGENT FEEDBACK
In fourth quarter 2014, we introduced a Single Premium Universal Life product,
which helps policyholders maximize their legacy while minimizing their tax
burden and, at the same time, protects them in case of a chronic or terminal
illness. Newly updated Whole Life and Final Expense products were also
introduced with enhanced electronic submission and simpler medical
questions, making both products quicker to underwrite and issue.
NEW OPPORTUNITIES FOR AGENTS
TO GROW THEIR BUSINESS
JEFF KIDDEY
Regional Vice President, IN, IL, MI & PA
THOMAS CROSBY
Agency Principal at The Insurance Exchange
Over the course of six months, a small group of agency principals participated
in a pilot program, called GAMEPLAN for Agency Growth, designed to offer
strategies and tactics for taking their agency performance to the next
level. This collaborative process allowed agents to work on their business
and adapt to the changing demands of our industry. Each participant walked
away with new knowledge they could use to grow their business and grow
with Grange Life. The new program will expand beyond the pilot phase in
January 2015 and run through October 2015.
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2014 ANNUAL REPORT • GRANGE LIFE
HIGH LEVEL GOALS FOR 2015
In 2015, Grange Life will further promote its new
Single Premium Universal Life product and begin
development on a new Universal Life product.
Operational improvements include a redesign of
GAINWeb’s pending business, which will allow agents
to have a quicker and easier experience working
with pending policies and statuses and be able
to process a policyholder’s payments online.
AGENT OF CHANGE:
McMICHAEL INSURANCE
Diversifying the Business Mix with Grange Life
In the spring of 2007, Gerald McMichael was searching
for an untapped revenue stream to help grow his business,
McMichael Insurance. While attending Grange’s annual
agency meeting, he had a conversation over dinner
with a life agent that changed everything. Gerald
knew he needed to diversify his business in order
to grow, and that one conversation was enough
to convince him that cross-selling life insurance
was the way to do it.
Once he tasked his staff with cross-selling life,
the results came hard and fast. Being open to
starting the conversation, along with the Ease
of Doing Business® with Grange, he said, are
what made the transition from being an agency
focused entirely on P&C to one that’s experiencing
momentous growth with its life business.
“Grange Life is as simple as me picking up the phone
and calling an underwriter,” said Gerald. “Grange’s
internal sales team is always available to us. They
basically serve as an extension of our office staff.”
Today, nearly eight years later, life sales for his
agency have grown by more than 500 percent.
The one thing McMichael would do differently?
“I would’ve started selling life insurance
a whole lot sooner,” he said.
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2014 ANNUAL REPORT • GRANGE LIFE
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INTEGRITY
For the third year in a row, Integrity
Insurance, Grange’s affiliate company,
achieved profitability and record growth.
• Premium grew 8 percent year-over-year
• Personal Lines led the way with a
net combined operating ratio of 96.1
• Commercial Lines has grown policies in
force every month for the past two years
MAXIMIZING THE GRANGE–
INTEGRITY AFFILIATION
JILL WAGNER
In January 2014, Jill Wagner was promoted
to President of Integrity after being with
the company for three years. Under her
leadership, Integrity has repositioned
its focus around “Grow, Diversify, Build” —
a strategy shared by Grange Insurance that
captures both companies’ approaches to
achieving long-term success for us and
our agent partners.
President of Integrity
Integrity continues to identify new ways
to maximize its affiliation with Grange in
order to improve products and services.
Throughout the state-by-state rollout of
PinPoint Auto, both companies worked
together by sharing best practices and
resources to support the launch in each
company’s footprint states. The enhanced
auto product launched in Iowa in 2014 and
will release in Integrity’s headquarter state,
Wisconsin, in January 2015.
Other notable highlights include
additional investments in the Commercial
Field Underwriter program to accelerate
profitable growth, and continued success
with digital marketing efforts that support
agents in growing their business.
MAKING WAY FOR MORE
PROFITABLE GROWTH IN 2015
Integrity has set its sights on strong growth
in 2015, aiming for $152 million in direct
written premium by year-end. To support
continued profitable growth, the company
is rallying around three key components
of their strategy: focusing on target growth,
improving enterprise consistency and
collaboration, and aligning resources
that optimize agency interactions.
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2014 ANNUAL REPORT • INTEGRITY
CLAIMS SERVICE
Year after year, we continue to look for
new ways to improve claims satisfaction
and expedite the process for policyholders. One way we did this in 2014 was by
extending our Immediate Repair Program
to the entire state of Ohio for faster auto
claims processing. Satisfaction more than
doubled and vehicles were repaired, on
average, 15 days sooner for claimants
who took advantage of the program.
The program has been great in retaining
talent as well; more than half of the
trainees from all classes have moved
on to long-term positions within the
company. For our agent partners, we
introduced a new Claims Liaison Program
for large commercial specialty agents,
which offers value-added benefits
and designated claims contacts.
Our response to catastrophic events continues to improve as well; more than half
of polar vortex claims were closed within
one week. In addition, we expanded our
Independent Quality Review program,
which ensures we maintain a high
level of quality in our claims handling.
We enriched the program with added
reporting and conducted a third-party
assessment to identify opportunities.
WHAT’S COMING IN 2015
HIGH-VALUE MEANS
BETTER SERVICE FOR
POLICYHOLDERS, AGENTS
In 2015, we’ll continue to roll out
programs similar to Immediate Repair
throughout our entire footprint, along
with additional associate training to
ensure consistent, high-quality service.
After a successful pilot in 2014, we’ll
implement a new predictive analytics
tool this year to combat claims fraud.
We’ll also continue to build on the
success of our Claims Recovery Unit
with speedy recovery and deductible KIM KUSTER
Manager of Special Investigation Intelligence
reimbursement to policyholders.
VAUGHN SPAULDING
Auto Material Damage Claims Representative
Also this year, we re-introduced a Claims
Trainee Program to create consistency
in claims training and customer service.
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2014 ANNUAL REPORT • CLAIMS SERVICE
10
COMMUNITY RELATIONS
Through the many philanthropic activities Grange participates in, we’re proud
to serve as an Agent of Change in our local communities. In 2014, our various
financial donations, associate volunteer hours and in-kind service
contributions all added up to:
• Approximately $700,000 in donations to non-profit organizations
• Another $150,000 to match agent contributions to local charities
throughout our footprint
• Upwards of 1,500 associate hours volunteered for various charities
• More than $80,000 worth of in-kind printing services for dozens
of non-profits
• 54 percent of Grange leadership (35 out of 64 executive officers)
served on more than 40 local nonprofit boards
As a result of Grange’s leadership in civic and community engagement, the
company received the award for “Employee Volunteerism” from the United
Way of Central Ohio at its annual Celebration of Excellence luncheon. Grange
was also recognized for its support of the arts by Columbus Business First’s
Corporate Caring program.
STEVEN SHELTON
Agency Principal at Cleveland Insurance
HEATHER CONNOR
Sr. Agency Marketing Consultant
“When it comes to marketing spend, we try to get the most bang for our
buck while maximizing the impact we have in our community. We went
off script this year and sponsored a paper drive to support our local
schools in Bradley County, Tennessee. With Grange’s help, we
collected over one million sheets of paper and donated
$1,000 to every high school in our county.”
– STEVEN SHELTON
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2014 ANNUAL REPORT • COMMUNITY RELATIONS
With a partnership going back approximately 50 years, Grange again supported United Way in raising funds and
awareness to improve lives and strengthen our local community. In 2014, Grange associates worked together on
organizing fundraising events, raising awareness and collecting donations (which Grange matched dollar for dollar).
For the third year in a row, Grange associates participated in the annual Pelotonia bike ride, raising money for cancer
research at The Ohio State University Comprehensive Cancer Center – James Cancer Hospital and Solove Research
Institute. Sixteen Grange associates and three virtual riders raised nearly $40,000, which brought our three-year
total to just over $136,000.
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2014 ANNUAL REPORT • COMMUNITY RELATIONS
12
GRANGE ENTERPRISE P&C
FINANCIAL REPORT
Balance Sheet — December 31, 2014
Assets
Cash and Short Term Investments................................................................................................$54,550,323
Bonds (at amortized cost)........................................................................................................... 1,415,704,998
Stocks (at market value)..................................................................................................................322,083,670
Real Estate
(at cost less accumulated depreciation).............................................................................112,385,158
Floating Rate Bank Loans..................................................................................................................53,563,705
Other Invested Assets.........................................................................................................................64,606,362
Securities Lending Reinvested Collateral Assets.......................................................................39,186,825
Accrued Investment Income.............................................................................................................15,376,650
Premiums in Course of Collection................................................................................................238,391,194
Electronic Data Processing Equipment
(at cost less accumulated depreciation)................................................................................. 1,960,998
Federal Income Tax Receivable.......................................................................................................... 1,149,034
Net Deferred Tax Asset.......................................................................................................................34,563,188
Other Miscellaneous Assets.............................................................................................................13,657,576
Total Assets.................................................................................................................................... $2,367,179,681
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2014 ANNUAL REPORT • ENTERPRISE P&C FINANCIAL REPORT
Liabilities and Policyholders’ Surplus
Unearned Premiums.............................................................................................................................................. $482,680,876
Reserve for Losses.................................................................................................................................................... 460,801,634
Reserve for Loss Adjustment Expense............................................................................................................... 130,531,535
General Expenses Payable........................................................................................................................................51,315,327
Payable for Securities Lending................................................................................................................................39,186,825
Other Liabilities......................................................................................................................................................... 110,408,201
Total Liabilities....................................................................................................................................................... 1,274,924,398
Policyholders’ Surplus.......................................................................................................................................... 1,092,255,283
Total Liabilities and Policyholders’ Surplus................................................................................................$2,367,179,681
Statement of Income and Surplus 2014
Premiums Earned.................................................................................................................................................$1,181,531,153
Losses and Loss Adjustment Expense Incurred.............................................................................................. 814,478,912
Other Underwriting Expenses Incurred............................................................................................................. 369,071,003
Net Underwriting Loss.............................................................................................................................................. (2,018,762)
Net Investment Gain...................................................................................................................................................53,104,863
Other Income Less Other Expense..........................................................................................................................18,918,029
Dividends to Policyholders...................................................................................................................................... (3,290,000)
Income Before Federal Income Taxes........................................................................................................ 66,714,130
Federal Income Taxes Incurred................................................................................................................................16,369,231
Net Income.....................................................................................................................................................................50,344,899
Other Surplus Changes............................................................................................................................................(11,378,663)
Change in Policyholders’ Surplus...........................................................................................................................38,966,236
Policyholders’ Surplus — January 1................................................................................................................. 1,053,289,047
Policyholders’ Surplus—December 31............................................................................................... $1,092,255,283
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2014 ANNUAL REPORT • ENTERPRISE P&C FINANCIAL REPORT
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GRANGE LIFE
FINANCIAL REPORT
Balance Sheet — December 31, 2014
Assets
Cash and Short Term Investments................................................................................................$13,812,770
Bonds (at amortized cost)...............................................................................................................283,577,555
Common Stocks (at equity)................................................................................................................. 6,725,681
Policy Loans...........................................................................................................................................10,731,332
Securities Lending Reinvested Collateral Assets......................................................................... 7,723,467
Accrued Investment Income............................................................................................................... 2,661,387
Premiums Due and Uncollected......................................................................................................34,984,847
Amounts Due from Reinsurers.......................................................................................................... 3,584,309
Federal Income Tax Receivable............................................................................................................. 991,490
Net Deferred Tax Asset......................................................................................................................... 4,222,157
Other Miscellaneous Assets............................................................................................................... 1,640,082
Total Assets....................................................................................................................................... $370,655,077
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2014 ANNUAL REPORT • GRANGE LIFE FINANCIAL REPORT
Liabilities, Capital and Surplus
Policy Reserves................................................................................................................................................................ $279,431,449
Policy Claims Payable...........................................................................................................................................................2,413,179
General Expense Payable....................................................................................................................................................5,399,303
Interest Maintenance Reserve...........................................................................................................................................1,828,210
Securities Valuation Reserve..............................................................................................................................................2,630,117
Payable for Securities Lending..........................................................................................................................................7,723,467
Other Liabilities....................................................................................................................................................................15,099,097
Total Liabilities.................................................................................................................................................................. 314,524,822
Total Capital and Surplus...................................................................................................................................................56,130,255
Total Liabilities, Capital and Surplus........................................................................................................................ $370,655,077
Statement of Income and Capital and Surplus 2014
Premium Income............................................................................................................................................................... $50,024,271
Net Investment Income.....................................................................................................................................................14,029,356
Benefits Paid to Policyholders.........................................................................................................................................47,923,242
Operating Expenses............................................................................................................................................................11,788,538
Income Before Federal Income Taxes................................................................................................................. 4,341,847
Federal Income Taxes Incurred............................................................................................................................................. 802,698
Net Gain from Operations After
Dividends to Policyholders & Federal Income Taxes........................................................................................$3,539,149
Net Realized Capital Loss.................................................................................................................................................... (142,551)
Net Income.............................................................................................................................................................................$3,396,598
Other Surplus Changes.........................................................................................................................................................1,718,224
Net Change in Capital and Surplus...................................................................................................................................5,114,822
Capital and Surplus — January 1.....................................................................................................................................51,015,433
Capital and Surplus—December 31................................................................................................................ $56,130,255
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2014 ANNUAL REPORT • GRANGE LIFE FINANCIAL REPORT
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2014 ANNUAL REPORT
BOARD OF DIRECTORS
Left to Right: J. Paul McCaffrey, M. Marnette Perry, Mark L. Boxer, Glenn E. Corlett, Thomas H. Welch,
Thomas S. Stewart, David C. Wetmore, Robert E. Hoyt, Melvin G. Pye, Jr., Christianna Wood and Douglas P. Buth
2014 marks E. Gordon Gee’s final year of service on the Grange Board of Directors.
We thank Gordon for his service over the past six years and wish him the very best.
17
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2014 ANNUAL REPORT • BOARD OF DIRECTORS
President & CEO
John Ammendola
Chief Property & Casualty Officer
Michelle Benz
President, Grange Life
Chief Sales, Marketing & Strategy Officer
LaVawn Coleman
Secretary & General Counsel
Doreen DeLaney Crawley
Chief Human Resources & Administrative Officer
Carol Drake
Vice President, National Accounts
Michael Fergang
Chief Information Officer
Tracy James
Assistant Vice President,
P&C Organizational Effectiveness
Kenneth Kozek
Vice President, Claims
Kenneth Lin
Chief Actuary
J. Paul McCaffrey, Jr.
Chief Financial Officer & Treasurer
Chris Montgomery
Vice President, Investments
Mark Russell
AGENT ADVISORY BOARD
GRANGE EXECUTIVE LEADERSHIP TEAM
Thomas Welch
John Scharver
Rob Hutzelman, Jr.
Chairperson • New Albany, OH
West Chester, OH
Mike Rice
Peter Krause
Vice Chairperson • Cincinnati, OH
Johns Creek, GA
Jessica Arnold
Steve McCoy
Hebron, KY
Lexington, KY
Tim Buren
Jon Mercer
Ashland, OH
Navarre, OH
Thomas Crosby
Jack Miller
Oak Forest, IL
Grayson, KY
Leo Daprile
Drew Monroe
Canfield, OH
Virginia Beach, VA
Tom Davenport
W. H. (Joe) Owens
Birdsboro, PA
Cordele, GA
Lisa Dickerson
Todd Peterman
Kennesaw, GA
Montgomeryville, PA
Stephen Durham
Randy Phelps
Madisonville, KY
Grand Rapids, MI
Bruce Ferguson, Jr.
Steven Shelton
Louisville, KY
Cleveland, TN
Steve Fisher
Willard (Bill) Silcox, III
Independence, OH
Charleston, SC
Keith Gregory
Tom Skelley
Mason, OH
Downingtown, PA
Lew Griffin
Rex Templeton, Jr.
Gahanna, OH
Savannah, GA
Tim Hartford
Greg Trimble
Lockport, IL
Delaware, OH
Chief Insurance Operations Officer
Douglas Sharp
Executive Regional Vice President, Sales
Jill Wagner
President, Integrity
Mike Winner
Jay Harvill
Doug Walker
Memphis, TN
Indianapolis, IN
Nelson Hatchett
Ric Walton
Winchester, TN
Jackson, MI
Eric Haudenschild
Dennis (Denny) Zahler
Cleveland, OH
Fort Mitchell, KY
President, Commercial Lines
2014 ANNUAL REPORT • LEADERSHIP & AGENT ADVISORY BOARD
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Grange Insurance is a $2 billion insurance provider based in Columbus,
Ohio and rated “A” (Excellent) by A. M. Best. Through its network of more
than 4,000 independent agents, Grange offers auto, home, life and
business insurance protection. Established in 1935, the company
and its affiliates serve policyholders in Georgia, Illinois, Indiana,
Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania,
South Carolina, Tennessee, Virginia and Wisconsin.
For more information, visit grangeinsurance.com.
Auto • Home • Life • Business
671 South High Street
Columbus, Ohio 43206
The Grange Mutual Casualty Group includes: Grange Mutual Casualty Company, Grange Property & Casualty Insurance Company, Trustgard Insurance Company,
Grange Indemnity Insurance Company, Grange Insurance Company of Michigan, Integrity Mutual Insurance Company and Integrity Property & Casualty Insurance Company.
Grange Life is the marketing name for Grange Life Insurance Company, Columbus, Ohio and is a subsidiary company of Grange Mutual Casualty Company, Columbus, Ohio.