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 | Account Executive

Kristin Warren

Kristin grew up in suburban Philadelphia and has lived with her family on Hilton Head Island since 2002. She graduated from Oglethorpe University, in Atlanta, GA in 1997. When not in the home office, or on the road visiting schools, she enjoys spending time with her family, especially watching their beloved Phillies and Eagles.

Kristin has worked for Clifford Allen Associates since 2005. She is the Account Executive for schools in the Mid-Atlantic, Midwest and West Coast states. In addition to being a client services specialist who manages the policy renewal process for all schools, she also represents CAA at Association conferences.

What do you enjoy most about working at CAA?

In addition to working with friends here in the Hilton Head office, and my co-located colleagues, I love that I have had the opportunity to work with, and become friends with, such wonderful people at schools across the country. I love visiting with them and seeing so many beautiful and diverse campuses.



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 Excecutive for the Southeast and Southwest, 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 the account executive, nationwide, for day schools and e-commerce. Gigi is the CAA office manager and 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!



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 daughter 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 daughter 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.

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