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Company Structure

Company Structure

At Central, our primary goal is to fulfill the promise to provide security, protection, and peace of mind to our customers. We have earned an industry-wide reputation for maintaining top-quality service among the best in the industry. We work hard to maintain that reputation and the key to our professional service is our people.

Our employees are dedicated professionals who follow our corporate values of integrity, relationships and excellence. They come from a variety of backgrounds, offer many skills and talents, but all share a common goal: a commitment to providing prompt, accurate, friendly, and professional service. This type of commitment must be backed up by an internal structure which is streamlined and efficient enough to allow good service. We have the internal procedures in place to carry through on this commitment. Our written service standards are the toughest in the industry and provide a challenging goal to maintain. The following departments and their people allow us to meet our service goals:

Home Office
Located in Van Wert, Ohio, each Home Office department reports to a Vice President who in turn reports directly to Bill Purmort, President and Chairman of the Board. Click any of the following to view a description of that department and its reporting units

Regional Offices
Central has regional offices located in Waltham, Massachusetts; Alpharetta, Georgia; Irving, Texas; and Van Wert, Ohio. Each regional office has a Vice President who reports to Bill Purmort, President and Chairman of the Board. Departments in each of our four regional offices include:

 


Actuarial has the important role of analyzing data and working with other company personnel to set the prices Central charges for our insurance products. They guide the decision making team concerning the loss and loss adjustment expense reserves that are included in Central's financial statements. They analyze pricing and coverage options to help the company make reinsurance purchasing decisions. Central's actuaries also forecast what the company can expect in future premium writings and financial results.

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Claims is responsible for establishing company claim policies as well as handling large property and casualty claims. They provide support for the regional claims staff and develop and present claims training classes when needed.

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Corporate Accounting oversees the preparation of internal and external operating and financial reports for state insurance departments, rating bureaus, and company management. They also coordinate the CPA and state financial examinations and audits. This department also manages bank reconcilements, payroll, budgets, the expense allocation system, and accounts payable. They print all checks, make arrangements for deposits, and handle all federal, state, and local payroll taxes, as well as federal income taxes. They file state and local premium tax returns. In addition, they oversee annual budgeting of expenses and handle premium and loss accounting with reinsurance companies.

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Customer Services

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Home Office Commercial Underwriting is responsible for establishing, implementing, and monitoring the company Commercial underwriting program. This function includes researching the market; developing coverage; evaluating underwriting experience; reviewing and revising rate plans; developing underwriting guides; controlling the premium audit program; conducting underwriting audits; assisting with training and education; and consulting, approving, and supporting the regional underwriting decisions.

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Home Office Risk Management and Innovation is responsible for the negotiation and administration of reinsurance contracts; monitoring and controlling exposure to catastrophes; authoring and coordinating the submission of Central's Own Risk and Solvency Assessment (ORSA); directing the efforts of Enterprise Risk Management (ERM); and leading the Innovation Department with a focus of getting products to market quicker, identifying cost savings through process improvements, being proactive in product and process evaluations, finding ways to differentiate Central from our competitors, and makeing sound decisions based on investing where we get the greatest return...all with the focus of meeting the needs of our agents and policyholders.

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Human Resources is responsible for all human resource activities for the company. This includes employment-related activities such as recruiting, hiring, training, compensation, job classification and assignment, promotion, transfers, and employee relations. This department also includes our employee benefits areas which consist of medical, dental, vision, disability, flexible spending, Savings and Profit Participation, pension, life insurance, and voluntary life insurance plans.

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Information Technology designs, develops, and maintains a wide variety of multi-functional computer systems supporting company and agency operations as well as insured customers that include Internet, personal computer, mobile, and mainframe platforms. Employees, agents, and insured customers may contact the Information Technology Help Desk to receive assistance with their questions and problems.

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The Investment Department manages the invested assets for the company. This includes selecting individual bond and stock investments instruments, and monitoring the performance of the entire portfolio as compared to investment policies and models. They also manage the fleet of company cars.

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Legal is responsible for the management of all corporate legal and regulatory issues and the provision of legal counsel that assists in developing and advancing the company's strategic business objectives.

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Marketing is responsible for communicating Central's products and programs to our agents and policyholders. Marketing is also responsible for the creation of promotional materials and Internet publishing, including social media and videos. This department manages the appointments of all Central agents and coordinates agency incentive programs. The Home Office staff provides training and support to our regional employees.

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Personal Lines Underwriting sets the Personal Lines pricing and risk selection standards for the company. They develop products, maintain the automated underwriting systems and workflows, develop and manage the interface with vendor and agency systems, and administer the Vibrant Personal Lines Practice and Blue Streak programs, special high performance agency programs.

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Regional Office


The regional Claims staff investigates losses, evaluates coverage, and negotiates and settles claims promptly and equitably.

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The Regional Personal Lines Underwriters are more than just risk managers that evaluate applicants for coverage. They are relationship managers whose responsibilities range from coverage evaluation to training to trend analysis. They work hand-in-hand with our independent agents to develop the right policy that’s needed to protect the personal assets of each of our customers at a fair price.

Regional Commercial Underwriters are responsible for the development and maintenance of a profitable book of business. The Underwriting process includes evaluation of loss exposures; determining who, what, and how we insure; determining the premium for the coverages provided; communicating with the producing agency and internal personnel to put coverage into effect; and monitoring the decisions made on the individual accounts and the book as a whole to maximize the profit potential of the agency and the company.

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The regional Loss Control staff completes surveys of current and prospective accounts to help them identify unsafe conditions and practices. They help our insureds formulate action steps to eliminate or control these hazards and prevent losses. The Loss Control Consultants report directly to Home Office Loss Control.

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The regional Marketing staff develops and manages a territory, has field underwriting authority, keeps our independent agents informed about Central's products and services, and recommends new agents. Our Marketing Managers report directly to the Vice President in each of our Regional Offices.

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Each regional office is supported by an Office Services staff that assists them in the daily operation of the regional office.

Each regional office also has an HR Manager who is responsible for Human Resources issues.

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