Who We Are

Who We Are

Welcome to Clifford Allen Associates. CAA is an independent, one of kind, family company that is 100% dedicated to the student insurance business for private secondary schools. We sell no other product (i.e. employee benefit, P&C) and service no other market (i.e. colleges).

In 1992, Cliff and Judy Allen visited a handful of boarding schools with a unique product designed specifically for private secondary schools. That year, 11 schools signed up and all of those schools are still with us. Thanks almost entirely to referrals, the business has continued to grow and we now serve over 130 private secondary schools.

  • Cliff Allen | Chairman

Clifford G. Allen, Jr. - "Cliff" - Chairman

Born and raised near Akron, OH, Cliff attended Choate Rosemary Hall on scholarship, graduating in 1952, and later graduated from Dartmouth College in 1956. He married Judith Anne Bellows in 1956 and they enjoyed 52 years together until Judy's passing in October 2008. Cliff and Judy were not only life partners but business partners as well. They lived in Bryn Mawr, PA for over 30 years prior to moving to Hilton Head Island, SC in 1996.

Cliff was blessed to marry Anita Montalbano in July of 2009.

Cliff has been in the Insurance business since 1965 and earned his CLU in 1975.

Clifford B. Allen - "Ford" - CEO

Born and raised in Bryn Mawr, PA (near Philadelphia), Ford attended Radnor High School and later, had the joy of graduating from his Dad's alma mater, Dartmouth College, in 1984. He married Lee Ann Quarterman in 1987 and they have been blessed with 3 children: Chelsea (22), Shelby (17) and Case (13). The opportunity to see another generation join the family business (Chelsea) has been a dream come true for Ford and his Dad.

Ford worked for Procter & Gamble (1984 – 2001) and then moved to Hilton Head Island to join the family business in August 2001.

Gigi Warren

Originally from Towson, Maryland, a suburb of Baltimore, Gigi has lived on Hilton Head for twenty three years. Gigi brings with her years of experience in the real estate industry, property management, hospitality management and community volunteering. She has been married for twenty one years to husband, Lewis Warren and has a seventeen year old daughter, Addie, a senior at Hilton Head Island High School.

Gigi serves in the role of office manager and will also initially focus on developing efficient programs/processes for school’s enrollments, insured lists and invoices.

Johnna Friddell

Johnna grew up in Nashville, TN and has lived with her family on Hilton Head island since 1999. She is a graduate of Abilene Christian University and has an MBA from Vanderbilt University. Prior to working at CAA, she worked in Human Resources for the General Electric Company. While employed by GE she had the opportunity to live and work in the US, Europe and Japan.

Johnna joined the CAA team in 2010. She is the Account Executive for the Southeast and Texas. She is also the operations specialist focusing on enrollments, invoicing and renewal materials.

Sue Herlihy

Sue was born and raised in Rochester, New York and graduated from Denison University in 1980. After graduation, she moved to Boston where she started her career in Insurance and met her future husband, Peter. They married in 1989, currently live in Hamilton, Massachusetts and have 3 girls: Molly (18) and Sarah and Jessie (16).

Sue worked for Brewer & Lord Insurance for 16 years which is where she first met Cliff and Judy Allen. She took 10 years off to raise her children and has been with Clifford Allen Associates since 2005. She is the Account Executive for schools located in New England.

Kristin B. Warren

Kristin grew up in suburban Philadelphia and has lived with her family on Hilton Head Island since 2002. When not in the home office, or on the road visiting schools, she is actively involved in her children's school and extracurricular activities. Their favorite family time is spent together watching their beloved Phillies and Eagles.

Kristin had worked for Clifford Allen Associates since 2005. She is the Account Executive for schools in the Mid-Atlantic, Midwest and West Coast states.