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 200 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 had been in the Insurance business since 1965 and earned his CLU in 1975.

In June 2018, Cliff passed away, leaving behind a legacy at CAA in the hands of his son, Clifford B. Allen (“Ford”) and the other incredible members of the CAA team.


Ford Allen | President and CEO

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

What do you enjoy most about working at CAA?

I’m the boss (just kidding). I cherish the opportunity to work with people in a “family” setting where our relationships are so much more than just business. We are blessed to serve the secondary school community where we consider our customers true friends.


Kristin Warren | Senior Account Executive

Kristin Brown

Kristin grew up in suburban Philadelphia and after living and working in Hilton Head Island, SC for almost 20 years, she is so happy and grateful to be back in Exton, PA, closer to her family, especially her two grown sons, Greg and Sam. She graduated from Oglethorpe University, in Atlanta, GA in 1997 with a degree in economics.

Kristin has worked for Clifford Allen Associates since 2005 and is the Senior Account Executive for over 50 schools.  In addition to being a client service specialist, she oversees the secondary insurance product sales and service, develops processes to enhance the schools and family experience as well as manages the policy renewal process for all CAA/GBG schools.


Sue Herlihy | Account Executive

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, Sarah and Jessie.

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.

What do you enjoy most about working at CAA?

I love working with a great group of people at CAA as well as all of the wonderful people at our schools.


Johnna Friddell | Account Executive and Operations Specialist

Johnna Friddell

Johnna grew up in Nashville, TN and has lived with her family in the  Hilton Head Island/Bluffton area 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. Serving as an Account Executive, she also leads the ecommerce and Simple database development for CAA.

What do you enjoy most about working at CAA?

I love the opportunity to serve customers especially when I have the chance to visit schools and customers in person.


Gigi Warren | Account Executive and Office Manager

Gigi Warren

Originally from Towson, Maryland, a suburb of Baltimore, Gigi has lived on Hilton Head Island since 1990. She is an account executive and is the CAA office manager.  She brings with her years of experience in the real estate industry, property management, and hospitality management. She is a graduate of Towson University.

What do you enjoy most about working at CAA?

The Christmas Card, hands down! We are famous for our Christmas Card! It really shows off what we do and the relationships we build and grow year after year. Our schools are our family!


Hillary Picardi | Account Executive

Hillary Picard

Hillary grew up in Greenwich, Connecticut. She graduated from Loomis Chaffee School in 1995, and from University of Vermont in 1999. After spending years living and working in San Francisco, she moved back east to Boston to be closer to family. She worked as an Account Director at a marketing agency, and married her husband, Preston, in 2007.

They have since moved to Concord, Massachusetts and have two children, Logan and Ella, and a feisty English Bulldog, Flash. She is an Account Executive for schools located in New England.

What do you enjoy most about working at CAA?

Clifford Allen is Uncle Cliff to me! And Ford is my first cousin. I am so lucky to have joined a business that my uncle started, and my cousin now runs. I’ve known about CAA since it began and am thrilled to join a team of such friendly and skilled people.



Phil Burr| Account Executive

Phil Burr

Originally from Sacramento CA, Phil followed his father’s footsteps to Williams College, where he majored in history and co-captained the golf team prior to graduating in 1984. Phil continues to serve Williams as class vice president, associate agent, and regional alumni president. He spent 20 years with Aetna, progressing from a Home Office underwriting role to sales and service for western region national accounts. He spent 20 years with Aetna, based primarily in Arizona, ending his tenure in national accounts sales and service for the western region. Prior to joining CAA as the west region account executive in 2021, Phil owned and operated an insurance consulting practice providing ancillary benefits expertise to local and regional brokers.

Phil married Cynthia Zapatka in 1988 and was blessed with 33 years of marriage prior to Cyndy’s passing in 2021. When not helping customers or looking for new business, Phil enjoys golf, travel, reading and cooking.

What do you enjoy most about working at CAA?

I am grateful for the impact that unique educational opportunities had on my growth, and I am proud to be affiliated with an organization that provides the security and peace of mind that allows our schools to continue to offer life-changing curricular experiences to students and families. I also appreciate that as a CAA employee I am actually part of a family that dates back to our founding some 30 years ago.




Victoria Bollenback | Account Executive – Operations/Enrollment Coordinator

Victoria Bollenback

Victoria was born and raised in Danbury, CT and graduated from Elon University in 2006. She has a Bachelor of Science in Business Administration/Management and minors in Accounting and Dance. In 2007 she moved to St. Petersburg, FL where she began her career in student insurance with UnitedHealthcare Student Resources (2007 – 2013). During that time frame, Victoria worked extensively on the private secondary school business with the CAA team. She joined Clifford Allen Associates in March 2014. Victoria, her husband, and children reside in Golden, CO.

What do you enjoy most about working at CAA?

Though I am co-located out of my home in Golden, I am blessed to be able to work with people I truly care about and have the ability to raise my children at the same time. I never feel like I am 1,693 miles away!


Chelsea Allen | General Administration

Chelsea Allen

Chelsea was born in Allentown, PA and in her early childhood years spent time in Cincinnati, OH, Detroit, MI and Fayetteville, AR. Since age 11 she has lived on Hilton Head, SC but still loves all things Cincinnati, especially Skyline Chili! When not working at CAA you can find her watching Philadelphia sports or attending Music Festivals. Chelsea first worked at CAA from 2010-2012 and rejoined the team in August of 2019

What do you enjoy most about working at CAA?

Like Gigi, I love working on the Christmas cards because it is carrying on the legacy of my grandmother who started the card in 1992.


Jill Heathcott | Controller

Jill Heathcott

Jill is originally from Atwood, Illinois, a small town in the east central part of the state. She is a graduate of Eastern Illinois University and earned her CPA certificate in 1997. She and her family relocated to the Hilton Head/Bluffton area in August of 2020 after spending 15 years in Maryland. Jill joined the CAA staff in January 2021 as the Controller.

When not working, Jill spends her time with her husband and their five children – 4 girls and 1 boy. Most of their time is spent chauffeuring the children to their various sporting events. In addition to watching her children play sports, Jill enjoys rooting on the Notre Dame Fighting Irish football team every year.

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