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This became all too real to an insurer of fire departments. Being an insurance provider to scores of fire departments caused C. Brian Higbee, CIC AAI, to see that an immediate solution was essential. Several years ago, when Brian visited fire departments that he insured, he found that several were faced with budgets strained to the point of not having the premium for insurance. Although these fire companies were putting hard effort into fund raising, there still was not enough money to make budget even though a greater demand was being placed on the volunteer members for their time and labor. Because of the size of Brian's company and his desire to work with fire companies, Brian was able to wait until the finances came in. This was the short term answer. However, the long term solution was not in the tools used in the past.
After an excruciating amount of research and hundreds of hours of scrutiny and exploration, a real solution surfaced. Recovering cost through the billing, not of the auto or homeowner, but of their insurance company became the possible means of finance that could assist fire departments with their fiscal dilemma.
Billing an insurance company for a service that has been enjoyed at no cost previously held a true challenge. Holding two separate professional designations in insurance brought Brian an educational advantage. Being involved with adjusting thousands of claims for fire departments and municipalities by owning and managing a successful property and casualty insurance brokerage firm brought the experience needed to enter into this arena.
However, unless the fire departments could be reached and serviced with a professional and experienced team, this real solution would fall far short of its potential to aid fire departments throughout the United States. Fortunately, Brian was able to network with with Scott Kear. Scott has a background with HMO and regional team development throughout the Southeast U.S.. This background has given him vast experience with insurance companies through his ownership of a quickly expanding and successful insurance agency.
Dr. Glen Ledbetter, M.D. Internal Medicine, is the third member of the management team. He brings a tremendous amount of experience with regard to medical billing. This is due to his development of an extremely successful medical facility in the Dallas-Fort Worth area. Dr. Ledbetter is responsible for planning and developing systems for medical billing in a large volume medical environment.
