January 2018

Are You Covered? Local Insurance Professionals

Author: Special to CH2

Margaret Nowlin, Robert B Kerdasha & Christina Horton

Since the beginning of his insurance career, Rob Kerdasha has always kept one thing on his mind — Building the trust of his clients. For Kerdasha, each client offers a new opportunity.

“I enjoy working smart but hard to find a connection to a new client,” said Kerdasha. “I’ve built my insurance practice one client at a time.” Throughout his twenty-seven-year career, Kerdasha has developed an unmatched expertise in high net worth solutions for personal insurance. His expertise, partnered with the resources of AssuredPartners, has helped Kerdasha constantly exceed his client’s expectations.

AssuredPartners, formerly Premiere Coastal Insurance Group, has been serving the Lowcountry for over 25 years. Rob Kerdasha, managing director of the AssuredPartners’ Bluffton location, was among a group of only 39 agents in the country to receive the Certified Advisor of Personal Insurance (CAPI) certification from the Wharton School of the University of Pennsylvania and Chubb Personal Insurance in 2015. To gain this certification, he completed an intensive educational program on understanding the lifestyle, risk management, and insurance needs of high net worth individuals. In addition to Kerdasha, the Bluffton team includes Margaret Nowlin, CIC, CISR, and Christina Horton, CISR, who, combined, have over 35 years in the personal lines independent agency business.

With the wide variety of insurance coverage options available to protect your most coveted assets, knowing which one is best for your unique needs can be overwhelming. That’s why it is important to find a trusted partner who not only understands your needs but also has access to the best programs to mitigate and insure your risks. At AssuredPartners, we customize high-value insurance packages for people whose homes, cars, and personal needs exceed the limits of a standard liability or home insurance policy. We work with the top carriers, such as AIG, Chubb and Pure, in the high net worth industry to ensure that your exclusive coverage needs are met. Our agency is licensed in every state, meaning that we have the ability to assist you with all your needs across the board, even if you own properties across the country. We also provide our clients with an in-house claims department to further provide the highest level of service to our high net worth clientele.

Your high-value lifestyle deserves the best protection you can find. With several agencies in the Lowcountry, why not elect to work with one of the most tenured insurance advisors in the region? As our client, you can feel confident that your personal insurance agent has the expertise and knowledge needed to address your unique risks. We are here to help secure your assets with a customized high-value insurance package and provide you with peace of mind for the future.

1024 Berkeley Hall Blvd.
Bluffton, SC 29909


BB&T Insurance Services
(From the left to right:) Marc Ricciardi, Kristin Walker, Tracy Molloy, Steve Stauffer, Kelly Sigg, Stuart Bedenbaugh , Theresa Wine and David D’Amico

We at BB&T Insurance Services believe that outstanding insurance is just the start of a great relationship. We view our clients as partners, with a goal of achieving a long-term relationship that allows us to support our clients’ success through changing times and evolving needs. We listen to you, we pay attention to your priorities, and we focus on the things you value most. We’re firmly rooted in the Hilton Head/Bluffton community, and our team is proud to join their friends and neighbors in building stronger and more vital communities.

“Community is one of our core strengths.” said, agency executive Steven Stauffer. “Our team members live, work and play in the greater Hilton Head/Bluffton communities. They understand and relate to the risks our clients face every day. Yet BB&T Insurance Services brings tremendous resources and knowledge that our clients value.”

One such resource is BB&T’s Risk Control group, which is charged with helping clients identify risks and potentially prevent losses before they happen. The Risk Control group brings a consultative assessment that is focused on workers’ compensation, auto and general liability, as well as property exposures. The group also brings compliance solutions along with specialized training and educational services to our business clients.

At BB&T Insurance, we believe that one of the agency’s strongest assets is our dedicated team of risk management professionals and client account executives. “Our folks combine decades of coastal insurance knowledge, with our carrier’s resources to create comprehensive insurance portfolios,” Stauffer said. “This really allows us to deliver customized, insurance-based financial solutions that minimize our clients’ risk and maximize their security.”

Theresa Wine and David D’Amico represent BB&T’s local commercial lines department. The two of them offer a full array of insurance products and services to all clients, ranging from small, family-owned businesses to multinational corporations. Together, they work closely with our clients to understand their business needs and design comprehensive, customized insurance programs.

Stuart Bedenbaugh leads BB&T’s employee benefits department. He provides a range of benefit services and innovative solutions to help our clients administer a complete, customized employee benefits package.

Kristin Walker, Tracy Molloy and Marc Ricciardi make up our local BB&T’s personal insurance department. As Family Risk Managers, they consult with clients to understand their needs and create insurance programs that offer ample coverage and protection. They monitor life events and other changes that can result in gaps and overlaps in coverage and recommend adjustments as needed.

One major advantage that BB&T offers is the ability to combine all our resources to manage client accounts across different business sectors and multiple states. We manage both business and personal accounts from South Florida to Long Island, New York and west to California. This allows us to build deeper relationships with our clients and ultimately provides tremendous value to our client base.

However, Stauffer acknowledges that the agency’s core business focus is right here in the Lowcountry and that the agency has been servicing clients on Hilton Head Island since 1958, under the original name of Carswell of Carolina. “Our agents are dedicated to guiding clients through the complexities of coastal insurance, while providing them with the highest levels of customer care. It’s great to watch our team grow with BB&T, while still staying fully engaged in the local community.”

8 Lafayette Pl. Suite 101
Hilton Head Island, SC 29926

7 Arley Way, Suite 300
Bluffton, SC 29910
Steve Stauffer: SStauffer@BBandT.com


From Left to Right:
Jessica Weaver, Kristin Hayrinen, Benjie Ehlers and Brian Knapp
HUB International

Local Service, Global Resources

Meet Benjie Ehlers, Kristin Hayrinen, Brian Knapp, and Jessica Weaver. These four insurance professionals have been living in the Lowcountry and working in the industry for a combined 102 years. Each one has deep knowledge in their specialty fields of personal insurance, business insurance, and employee benefits. Together, they are the solution to any insurance problem you might have.

With HUB International’s best-in-class insurance carrier representation and a national field of top notch insurance risk managers, consultants, and specialists behind them, these individuals are positioned to provide a comprehensive range of options for their clients. At HUB, the client is the center of everything we do. Every policy is tailored specifically to the needs of the client.

The process begins by getting to know and understand the client, and what is important to them. They then take those priorities and match them with the best insurance company partners available. The discussion continues as they tailor the coverage to meet the client’s objectives. Throughout, they take the time to explain complex insurance jargon and concepts so the best decisions can be made by the client.

From the time coverage is effective until the policy renews the next year, the client is in expert hands. As insurance advisors, Ehlers, Hayrinen, Knapp, and Weaver are supported locally by a large group of professional client service managers who take care of the clients with great attention to detail and a sense of urgency. Come meet the advisors and see what sets HUB apart.

50 Palmetto Bay Rd.
Hilton Head Island, SC 29928


Kinghorn Insurance
Evan Jeffords, James Rowe, Missy Layman & Bill Fuge

“Insurance you can count on from local professionals you can trust.”

Kinghorn Insurance has been a trusted member of the Lowcountry community since 1898. Locally owned and operated, Kinghorn Insurance Agency is dedicated to addressing the area’s property, automotive, marine, personal and commercial needs. We are independent, and we are here to offer professional, personalized help for businesses and homeowners. Our longevity is the result of being focused on our customers, experience, communication, and trust, and we are claims tested and easily accessible. The partners include James “Jimmy” Rowe, William “Bill” Fuge, Evan Jeffords and Missy Layman.

Through our invaluable relationship with relevant carriers and brokers, Kinghorn Insurance, as an independent agency, can offer premier policies to suit your insurance needs.

Kinghorn Insurance Agency can help you determine how much business insurance is right for your company. Our business insurance packages are customized based on our agent’s overall assessment of your commercial and business insurance needs. We strive to offer the single best options for business in this marketplace.

When considering home insurance, local homeowners can trust Kinghorn Insurance Agency. We live here, so we know the market, and we care. We are your neighbor: We understand specific types of home, auto, flood, liability and marine insurance coverage you need because we need them, too. Our agents will take the time to discuss and determine your individual needs.

Life, Healthcare, and Benefits
One of the most important insurance decisions you can make for your family or business is health insurance. Kinghorn Insurance has one of the area’s most knowledgeable and experienced agents, who understand how to navigate the maze of healthcare options. A life insurance policy is intended to pay final expenses, to cover your children’s expenses, to replace the spouse’s income, to pay off debts, and in business, to buy a business partner’s shares. We can also help you address disability and long-term care.

We build relationships!
Kinghorn Insurance Agency is your local insurance company, with offices in Bluffton and on Hilton Head Island. We build relationships by being available to our customers—in all hours, situations and needs.
You are always welcome to call or come by to speak with a local Kinghorn Insurance agent to learn more about insurance coverage options, to ask questions, to receive and discuss our recommendations, or to get a quote. We would like to have the opportunity to know you. Our quotes are competitive, and you will get our best price the first time.

Contact a Kinghorn Insurance Agent today.

Bluffton Office
1544 Fording Island Rd.
Hilton Head Island, SC 29926
(843) 837-3911

Hilton Head Island Office
23-D Shelter Cove Ln.
Hilton Head Island, SC 29928
(843) 686-3911


Kevin Sevier
State Farm Insurance

We live in a little slice of paradise we all affectionately call the Lowcountry. We work hard to enjoy our lifestyles and to raise our families in this great community.

What steps have you taken to protect the future of your lifestyle and your family’s home and property? What questions should you be asking your agent or broker when it comes to your insurance needs?

We work hard to establish relationships with our customers, and to ask the necessary probing questions to ensure that you don’t have gaps in your coverage. We offer auto, home, renters, flood, umbrella and small business insurance to protect your property and liability. We work with products such as life, health, and disability insurance as well as banking products to help you secure your family’s financial future.

We are currently serving Beaufort and Jasper County from our office in the Belfair Shopping Center. We will be relocating to our new office in the Buckwalter Place Shopping Center by April of 2018.

If you would like to sit down with me or one of my agents, please feel free to call to set up an appointment. Thank you in advance for allowing us to serve you and your family.

27 Towne Dr, Ste 302
Bluffton, SC 29910


Wendy M. Harvey, CIC, CISR
Amy H. Kinasch, CIC, CISR
Windermere Insurance Group

Wendy Harvey joined Windermere in 2016 and currently serves as a private client advisor in the Personal Lines Department. She specializes in providing insurance solutions to high-net-worth individuals, offering exceptional client service and market expertise obtained through over 20 years of experience and education.

Prior to joining Windermere, Harvey was a top high-net-worth producer for Coastal Plains Insurance on Hilton Head Island. She obtained her CIC (Certified Insurance Counselor) and CISR (Certified Insurance Service Representative) designations and is currently working toward her CPRM (Certified Personal Risk Manager) designation.

Harvey is a veteran of the United States Marine Corps. She moved to the coast of South Carolina in 1996 with her husband and two daughters.

Amy Kinasch also joined Windermere Insurance Group in 2016 and currently serves as a private client advisor in the Personal Lines Department. She specializes in providing insurance solutions to high-net-worth individuals, offering exceptional client service and market expertise obtained through her years of experience and education.

Prior to joining Windermere, Kinasch was a top high-net-worth producer for Coastal Plains Insurance on Hilton Head Island, where she started her insurance career in Personal Lines and served many different roles over her 19 years of service. She obtained her CIC (Certified Insurance Counselor) and CISR (Certified Insurance Service Representative) designations and is currently working toward her CPRM (Certified Personal Risk Manager) designation.

Kinasch graduated from Indiana University of Pennsylvania in 1995 with a BS in hotel, restaurant and institutional management. She lives on Hilton Head Island with her husband and daughter.

Both Kinasch and Harvey serve on the board of Leo’s Legacy, Inc., a non-profit organization that raises money for children’s cancer, children’s sports, and college scholarships for graduating high school seniors in Beaufort County, S.C.

We understand that cultivating and developing long-lasting, honest and personal relationships with our customers, insurance carriers and each other is fundamental to the success of our business.

Our expertise as your insurance provider begins with a thorough understanding of the exposures and inherent risks that threaten your personal assets. We take the time to provide a risk assessment for every client so that we can offer the most cost-efficient combination of risk transfer, risk retention and tailored insurance solutions to meet your personal needs.

We understand that our clients have choices and that we must always strive to exceed expectations by offering an unsurpassed level of service and attention to detail. Our comprehensive coverage options to protect your personal assets are offered only through the most reputable and financially secure insurance carriers.

2 Palmetto Bay Rd #200
Hilton Head Island, SC 29928

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