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 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.



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.  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



Kristin Warren | Account Executive

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



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.



Johnna Friddell | Account Executive and Operations Specialist

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.



Gigi Warren | Account Executive/Office Manager

Gigi Warren

Originally from Towson, Maryland, a suburb of Baltimore, Gigi has lived on Hilton Head Island for twenty three years. Gigi brings with her years of experience in the real estate industry, property management, hospitality management and community volunteering. She is married to Lewis and they have one daughter Addie.

Gigi is the Account Executive for the My Account system and is our Office Manager.



Victoria Bollenback | Account Executive – Operations/Enrollment Coordinator

Victoria Bollenback

Victoria was born and raised in Danbury, Connecticut 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, Florida where she started her career in student insurance with United Healthcare Student Resources (2007 – 2014). During that time frame, Victoria worked extensively on the private secondary school business.

Victoria and her husband, also an Elon alumni, married in 2011 and reside in Denver, Colorado with their daughter. She joined Clifford Allen Associates in 2014 as an Account Executive – Operations/Enrollment Coordinator.



Matt Harrison | Director of Information Technology

Matt Harrison

Matt Harrison hails from the great state of Michigan but has called Hilton Head Island home since 2006. He lives here with his wife Kim and two sons, Kade and Kole. Matt has a wide experience in technology working in public schools, independent consulting and international corporations. Matt served as a Mill IT Manager for Weyerhaeuser in Port Wentworth, GA. Prior to that he was Technology Coordinator for Monroe Jefferson School District.

When not working, Matt enjoys volunteering in youth baseball, football and basketball. His addiction to crispy M & M’s has not hindered his ability to keep CAA’s technology running smoothly at all times!

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