Community Strength Through Mutual Commitment
Built on a foundation of traditional community values, Sawgrass Mutual is a policyholder-owned insurance company - neighbors helping neighbors.
Benjamin Franklin, a founding father of America's second oldest insurance company, the Philadelphia Contributionship, which was established in 1752, described the basic incorporating principle of a mutual as an organization "whereby every man might help another without any disservice to himself."
Sawgrass Mutual exists solely to serve the insurance needs of our policyholders, not to provide investment profits to shareholders.
Through our commitment to excellence in performance, service and professionalism, Sawgrass Mutual is focused on the welfare of our community of policyholders and the communities in which they reside.
Your Insurance Company
Sawgrass Mutual Insurance Company is a mutual property and casualty insurance company located in Davie, Florida. Sawgrass Mutual is owned and governed by our policyholders. All profits earned by the insurance company are retained exclusively for the benefit of our policyholders.
Sawgrass Mutual provides property insurance for residential properties. Our rates and coverage options are competitive. Sawgrass Mutual policies are sold via our network of professional independent agents located throughtout Florida.
Mission Statement
Message from Our Chairman
Sawgrass Mutual is founded on the principles of financial strength, stability, and a focus on the communities in which we do business. To that end, we are committed to creating and maintaining a cooperative environment in which our policyholders obtain high-quality residential property insurance coverage at a fair price and receive excellent service.
Equally important, as a mutual insurer (and the only mutual property insurer domiciled in Florida), profits earned by Sawgrass Mutual and the growth of our financial resources over time remain in the company for the benefit of all our policyholders.
We hope that you embrace the mutual insurance concept and appreciate the long-term value of Sawgrass Mutual Insurance Company to you as a policyholder and to your community.
-James W. Newman, Jr.
Our Team of Experienced Insurance Professionals
Sawgrass Mutual has assembled a highly experienced team of professionals with 150+ years combined experience in the Insurance industry. As stewards of your company, our mission is to provide practical, competitively priced insurance products, excellent customer service, and a positive, lasting impact on our community.
James W. (Jay) Newman, Jr., Chairman
Graduating from Florida State University in 1964 with a Bachelors degree in Mathematics and in 1970 with a MBA, Mr. Newman has over 30 years of insurance experience. He served for nine years as Executive Director of Citizens Property Insurance Corporation (and its predecessor the Florida Residential Property and Casualty Joint Underwriting Association), and three years as Commissioner of Insurance for the Commonwealth of Virginia. Mr. Newman also served as General Manager of Commercial Shared Market Services for the Insurance Company of North America, Vice President of State Government Affairs for CIGNA Corporation, and Senior Vice President for Policy Development and Research for the American Insurance Association.
James A. Esse, President
1985 graduate of Winona State University (Minnesota),with a Bachelors degree in Mathematics and Computer Science. Mr. Esse has over 25 years of insurance experience. With over 20 years experience using computer hurricane models, more than 15 years of reinsurance structuring and placement experience, and having been instrumental in the formation and management of several companies, Mr. Esse brings a unique and invaluable blend of qualifications to bear for Sawgrass Mutual.
Michael Samach, Chief Financial Officer
Mr. Samach is a graduate of Florida State University as well as the University of Miami where he received his Masters degree. Mr. Samach has over 25 years of financial auditing and management experience. He started his career within the auditing department of Deloitte Touche and subsequently worked as a manager with BDO Seidman in their consulting division. Mr. Samach held various financial management positions with health care providers and health insurance companies over the following years. Mr. Samach is a Certified Public Accountant and a native Floridian.
D. Jay Carbine, Underwriting Manager
Mr. Carbine brings 50 years of insurance experience and knowledge to Sawgrass Mutual. He served 13 years at General Reinsurance Corporation as Vice President, working with Treaty and Facultative Underwriting in San Francisco and New York. In 1977, Mr. Carbine joined Armco Insurance Group, Inc. as President and COO of the Reinsurance Division, overseeing their operations worldwide. After 7 years at Armco Insurance Group, he served as Chariman, President, and CEO for Richard Whiley, Inc., a Reinsurance Intermediary in New York. In 1991, Mr. Carbine moved on to International Risk Management Group, Ltd. (IMRG) where he held several executive positions throughout their national and international divisions, such as President of their Worldwide Group Reinsurance Division. Prior to joining Sawgrass Mutual Mr. Carbine was Managing Director at Northfield Partners, an Independent Consulting Company in Connecticut. Mr. Carbine studied business at Golden Gate University in San Francisco, California and engineering at Marin College in Kentfield, California.
Michael Callahan, Vice President - Claims
Mr. Callahan is a graduate of St. Joseph's University (Philadelphia). He has twenty-two years of property and casualty claims experience in senior staff and management positions for national, regional and intra-state insurance carriers and third-party administration companies.
Amy M. Padgett, CIC - Marketing Director
Mrs. Padgett is a graduate of the University of Kentucky. She brings over 25 years of property & casualty insurance experience in executive level management positions. Mrs. Padgett has been instrumental in the formation and management of several regional carriers.
A Long Term View
Being a mutual, our profits remain in the company to benefit our policyholder members. Our primary focus is to build and maintain the financial strength and stability that will allow us to meet the obligations to our policyholders and their communities for many years to come.
In the event of a hurricane or any other catastrophic event, Sawgrass Mutual stands ready to service our policyholders insurance needs. We have a full disaster preparedness and response plan in place. We have access to additional claims adjusting personnel, our home office is located in a building that is designated a shelter. We have our electronic equipment in a secure collocation facilities in Fort Lauderdale, Florida and Salt Lake City, Utah.
Rest assured, regardless of what Mother Nature brings, Sawgrass Mutual will be there to respond to our policyholders needs.
Visit our Resource Center to get helpful information on how to prepare your home and family for a disaster.
A Dynamic Place to Work
Sawgrass Mutual is a dynamic place to work - we are a company that is built on a solid commitment to its policyholders, agents, employees, and community. This is acheived by hiring individuals who share the same vision and dedication and providing a team-oriented and supportive environment . We recognize the contirbutions made by all of our employees and the role they play in the company's overall success.
We are growing and always on the lookout for qualified individuals that can contribute to our company, policyholders and community. If you are interested in joining the Sawgrass Mutual team, please choose the link below to view our current listing of employment opportunities or e-mail your resume to humanresources_sawgrassmutual.com .
Sawgrass Mutual Insurance Company is an equal opportunity employer.
Current Openings
Thank you for your interest in a career with Sawgrass Mutual!
Sawgrass Mutual currenrly does not have any positions available. Please check back at a later time to see how you can become the next member of the Sawgrass Mutual family.
Please feel free to complete the form to the right or you may email your resume to
humanresources_sawgrassmutual.com
Upcoming Community Involvement Events:
HOMEOWNERS (HO3)
FLOOD
DWELLING FIRE PROTECTION
Sawgrass Mutual provides high quality, affordable property and liability coverage to Florida homeowners. This, our flagship product, covers your home and structures physically attached to your home, covers detached structures such as pools, fences, and sheds, covers your personal property, including clothes, furniture, and appliances and, should you be required to vacate your home, provides assistance with costs in excess of your normal living expenses (often referred to as Loss of Use or Additional Living Expense).
The policy also provides coverage for claims arising out of property damage or bodily injury to others for which you are found legally liable (Personal Liability) and medical payments to others who may be injured on your property.
Additional benefits include, competitive pricing, convenient payment plans, some seasonal occupancies, and, because we are a Mutual company, our policyholders are the company owners.
Coverage and Benefits Include:
Since standard homeowner's insurance does not cover flooding. It is important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
Your Sawgrass Agent can assit you with acquiring flood protection through our preferred flood provider.
COMING SOON!
Our Dwelling Fire program will offer property protection for dwellings not occupied by the owner. It provides coverage for dwellings and structures physically attached to the dwelling, detached structures such as pools, fences, and sheds.
If the occupant/tenant is required to vacate the property as a result of a covered loss, the owner is covered for the lost rent. This is critical asset protection for owners of rental properties.
Membership Benefits
What makes us unique is that a mutual company exists to serve the insurance needs of its policyholders. Additional benefits include competitive pricing, convenient payment plans, and some additional coverage options to provide the policyholder the ability to tailor coverage through their agent to meet their individual needs.
Member Surplus Contributions
Sawgrass Mutual borrowed its initial surplus (capital) to begin operations. This debt is expected to be repaid and the financial strength of the company enhanced by modest surplus contributions made by its policyholders and from operating profits.
The policyholder surplus contributions are stipulated in the company's bylaws, are a modest amount, and when combined with policy premium, will continue to make Sawgrass Mutual a competitive and stable insurance provider.
Commitment to Excellence - "Commitment to You, Our Policyholder"
We are committed to providing you - our policyholder- a professional, fair, accurate and timely settlement of your claim.
Losses can be overwhelming. Sawgrass Mutual Insurance Company claim professionals are committed to relieving you of this feeling. Our goal is to provide you with an expedited, fair, accurate and timely claim settlement - to provide excellent service when you need it most. You can assist us with this process by undertaking the following:
Secure your safety
Promptly communicate your loss to the appropriate authorities; i.e., local police or fire departments
Promptly report your claim to Sawgrass Mutual Insurance Company
Protect the property from further damage. If repairs to the property are required, you must:
a) Make reasonable and necessary repairs to protect the property
b) Keep an accurate record of repair expenses
c) Keep for our inspection the damaged, failed or defective property; i.e., cracked plumbing pipe or part and
any removed ensuing damaged property; i.e., floor coverings
Cooperate with us in the investigation of a claim
Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss; Attach all bills, receipts and related documents that justify the figures in the inventory . Click here for the Insurance Information Institute's free online home inventory software.
Your claim can be reported 24 hours a day, 7 days a week via telephone or e-mail.
You should gather the following information before you report your claim:
Via Telephone: You may call our Claims Department to report your claim at 877-853-4430 .
E-mail: You may fill out our online Notice of Loss Form , which will be automatically submitted to our Claims Department via e-mail.
We are always prepared to serve you when you need us the most - when a loss occurs. Sawgrass' Claims department is dedicated to ensuring professional, fair, accurate and timely settlements for our policyholder members.
JOIN OUR COMMUNITY OF SELECTED SAWGRASS MUTUAL AGENTS
If you are interested in joining our network of selected professionals appointed to write business with Sawgrass Mutual:
1. Download the PDF APPLICATION by clicking the icon to the left.
2. Complete the form right from your desktop
3. Email the completed form to marketing_sawgrassmutual.com or simply click
on the "Submit by E-mail" button on the top right hand corner of the application.
4. Our Marketing department will review your applicaiton upon receipt
SMIC-Agency-Info-Sheet-2010.pdf
Payment Mailing Address
Sawgrass Mutual Insurance Company
PO Box 864709
Orlando, Fl 32886-4709
Payment Mailing Address - Overnight Delivery
Wachovia/Wells Fargo Bank - FL 2890
Box 864709
11050 Lake Underhill Road
Orlando, Fl 32825
Non-Payment Mailing Address
PO Box 550310
Davie, Fl 33325
Customer Service
Telephone: 877-853-4336
Fax: 877-853-4302
E-mail: customerservice_sawgrassmutual.com
Claims
Telephone: 877-853-4430
Fax: 877-280-0143
E-mail: claims_sawgrassmutual.com
Terms of Use
This document outlines the terms and conditions relating to your use of this website, and provides additional information regarding Sawgrass Mutual Insurance Company (Sawgrass Mutual). These terms and conditions are applicable to your use of this website regardless of how you may access it. The information, images and other material contained on this website, including the information, images and other material incorporated into this website, is for your personal, non-commercial use only. You may not modify, republish, post or transmit anything contained on this website, including anything downloaded from this website, unless you first obtain our written consent. You agree not to engage in unauthorized retrieval of any data or other material contained on this website. You further agree not to create any hyperlink from any other website to this website unless you first obtain our written consent. If you do not wish to be bound by these Terms of Use, please do not access or use this website or send e-mail to any e-mail address listed on this website.
Privacy Policy
Our Privacy Policy describes our use and protection of non-public personal information. To review our Privacy Policy, please click on the Privacy Policy link located in the bottom right corner of our home page.
Your Use of this Website
You may not use this website to engage in any illegal or unauthorized activity. You may not use this website to harass, libel, slander, humiliate, embarrass, threaten or defame any person or entity; for any purpose or activity that is pornographic, indecent or offensive; or for any purpose or activity which discriminates on the basis of sex, color, national origin, race, age, religion, sexual orientation, disability or other legal classification. You may not use this website for any purpose or activity that infringes upon any third party's intellectual property or other proprietary rights.
Disclaimer of Warranties
Any information, services and other items on this website are provided "as is" and without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Sawgrass Mutual does not warrant that this website will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services or other items contained on this website remains entirely with you. Under no circumstances will Sawgrass Mutual be liable for any damages whatsoever arising out of the use or performance of the information, services or other items contained on this website.
Restricted Areas/Passwords
Some areas of this website are restricted and require authorization for access. Unauthorized access to or use of these areas is prohibited and may result in criminal and/or civil prosecution if violated. We will view, monitor and record any such attempts to access unauthorized areas and will provide such information to law enforcement agencies in connection with any investigation or prosecution of possible criminal activity. If you are not an authorized user of the restricted areas of this website, you should not attempt to access such areas.
If you are an authorized user of any restricted area of this website, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANY PERSON OR ENTITY. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should immediately contact a Sawgrass Mutual representative. Sawgrass Mutual is not responsible if you fail to properly secure your password or if you choose to share your password with any person or entity.
Insurance Quotes/Coverages
Any coverage descriptions provided on this website are intended as general descriptions of available coverages and do not form a part of your policy. To obtain coverage you must submit an application to Sawgrass Mutual. All applications are subject to underwriting approval. For information regarding the products, services or coverages offered by Sawgrass Mutual, please contact a Sawgrass Mutual insurance agent.
Intellectual Property Rights and Restrictions on Use
This website is the private property of Sawgrass Mutual. Sawgrass Mutuals rectangular logo and the name Sawgrass Mutual Insurance Company are registered servicemarks owned by Sawgrass Mutual Insurance Company. Sawgrass Mutual may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this website including, but not limited to, graphics, text, software, audio, video, and files are the property of Sawgrass Mutual and are protected by copyright or other intellectual property laws. Sawgrass Mutual reserves all rights to its intellectual property. You are not authorized to use any portion of this website or any other Sawgrass Mutual intellectual property on any other website or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this website's content or frame this website within any other website.
Links to/from Other Websites
For your convenience, Sawgrass Mutual may provide links to other internet websites that Sawgrass Mutual does not own, control or maintain. You should not interpret any link to or from those other websites as an indication that Sawgrass Mutual sponsors or endorses those websites or their materials or that those websites are affiliated with Sawgrass Mutual in any manner. Sawgrass Mutual is not responsible for anything contained on those websites and makes no warranties or representations about the contents, products or services offered on those websites. Sawgrass Mutual is not responsible for and makes no warranties or representations about the content, products or services offered on any websites that you may elect to use in connection with this website.
Availability of Products and Services
Sawgrass Mutual currently conducts business in the State of Florida only. You may not be eligible for all products and services and Sawgrass Mutual reserves the right to determine such eligibility as permitted by law.
Other Agreements
These "Terms of Use" apply to your use of this website and do not change or alter any other contract or agreement between you and Sawgrass Mutual.
Changes to this Document
Sawgrass Mutual reserves the right to modify or change, at its sole discretion, these Terms of Use at any time without prior notice to you. Your continued use of this website constitutes your acceptance of any such changes.
Applicable law/severability
These "Terms of Use" shall be governed by and interpreted according to the laws of the State of Florida without respect to any conflict of laws provisions. If any provision of these "Terms of Use" is deemed or adjudged to be unlawful, void or unenforceable, such determination shall not affect the validity or enforceability of any other provision.
Additional Information about Sawgrass Mutual
Sawgrass Mutual Insurance Company is organized and licensed in the State of Florida and is principally engaged in writing homeowners multiple peril and dwelling fire polices in the State of Florida only.
Contact Information
Please click on the Contact Us link located in the upper right corner of our home page for contact information.
Sawgrass Mutual Insurance Company Privacy Notice
As a valued member of Sawgrass Mutual Insurance Company, we want to assure you that we are committed to keeping your protected information secure and confidential. This notice explains our privacy policy and should answer any questions you may have about how we protect our members personal information. Regardless of whether you are an applicant, member or former member, we are committed to protecting and maintaining the privacy of any information in our possession.
Collection and Use of Information
We may collect protected information about our members in connection with underwriting an application for insurance, investigating a claim or in connection with other activities relating to your insurance. This information will be used by authorized company personnel for these purposes, and it may be integrated into our databases for statistical and audit purposes. Protected information means any non-public, personally identifiable information including, but not limited to, financial information and employment-related information.
Disclosure of Information
We do not disclose any protected information about our members or former members to anyone except as permitted or required by law. Moreover, we do not sell customer lists or other protected information. There are circumstances when we will, without authorization, disclose protected information related to underwriting, claim investigations or other activities relating to your insurance to third parties or affiliates that assist us with those activities, as permitted by state and federal law. We will also disclose protected information to third parties without authorization as required by law, such as in the case of subpoenas and mandated governmental disclosures.
Protecting Your Information
We have internal policies to maintain the privacy of our members' protected information. These include, but are not limited to, policies related to the transmission, storage and disposal of paper and electronic information; the prevention of unauthorized access and damage to our information technology systems; and assigning and terminating user IDs.
We may change these policies, standards and procedures at any time. If we do, such changes will be posted on our website.
If you have any questions related to this notice you can contact us at the following address:
Attn.: Human Resources
351 SW 136th Avenue, Suite 205
Davie, Florida 33325
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