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      <image:title>Principals - John Sipple</image:title>
      <image:caption>Mr. Sipple started his career as a commercial lines underwriter at Utica National Insurance Group in Atlanta, Georgia. While there, he underwrote risks of all industry types while gaining a solid experience base in the commercial lines marketplace during his three year tenure. Mr. Sipple continued his career with a move to the production side of the business with Palmer &amp; Cay in Savannah, Georgia. While there, he spent time working with a wide variety of commercial lines products and helping businesses of all types craft innovative insurance programs. He finished with Palmer &amp; Cay / Wachovia Insurance Services as Commercial Lines Leader and Assistant Vice President. Mr. Sipple graduated from the University of Georgia in 2000 with a Bachelor of Business Administration degree in Risk Management and Insurance. He obtained his Chartered Property Casualty Underwriter (CPCU) designation in 2005, his Accredited Advisor in Insurance (AAI) designation in 2006 and his Associate in Underwriting (AU) designation in 2003. Mr. Sipple is an active member of the Savannah Sunrise Rotary Club, a division of Rotary International where he was a past board member. He also is a member of the CPCU Society where he serves on the new designee task force and is a 2009 graduate of Leadership Savannah.</image:caption>
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      <image:title>Principals - Christopher Cay</image:title>
      <image:caption>Mr. Cay started his career in London at Jardine Lloyd-Thompson, a Lloyds of London insurance broker. While there, he learned about underwriting and brokering insurance placements directly at Lloyds. Upon returning to the United States and working outside of the industry, Mr. Cay attended Georgia State University’s Robinson College of Business, majoring in Risk Management and Insurance. While getting his Masters of Business Administration, Mr. Cay joined Palmer &amp; Cay in 2002. He concentrated on commercial insurance but was soon made the head of the Atlanta Private Accounts division for Palmer &amp; Cay. Mr. Cay graduated from the University of Georgia in 1997 with a Bachelor of Arts in English Literature. He completed his Masters of Business Administration in 2003. He is on the board of directors of Union Mission of Savannah, the Hodge Foundation, the Savannah Music Festival and the Savannah Country Day  School.</image:caption>
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    <loc>https://www.cayinsurance.com/associates</loc>
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    <lastmod>2024-06-07</lastmod>
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      <image:title>Associates - Our Atlanta Team</image:title>
      <image:caption>Our Atlanta team works with successful families to protect and enhance their lives so they can pursue things that matter to them most. We offer not just high level concierge style service, but solutions and simplicity amid a world of the complex.</image:caption>
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      <image:title>Associates - Alice Johnson</image:title>
      <image:caption>Ms. Johnson joined our firm in 2017. Prior to joining our firm she worked for USI Insurance in the Personal Lines Department in Savannah. She has over 23 years experience in the insurance industry and has obtained the National Alliance for Insurance Education and Research designation of Certified Insurance Counsellors (CIC). Her primary focus has involved managing the personal insurance programs for affluent individuals and families. She provides a high level of individual client support to assist in the protection of the clients’ assets and minimize their liability exposure. She is dedicated to continuing to increase her knowledge of the industry and markets so she can always provide the highest level of client service.</image:caption>
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      <image:title>Associates - Vicki Carter</image:title>
      <image:caption>Vicki joined Cay Insurance Services in 2017 as a Personal Lines Account Manager. She has over thirty years experience working in the insurance industry and has concentrated on providing custom insurance plans for clients in the affluent market. Prior to joining our agency she has worked for Willis Insurance and Palmer and Cay. Her years of insurance experience make her an unparalleled advocate for her clients during the underwriting and claims processes. She is adept at finding insurance solutions in the Georgia and South Carolina coastal markets. Her goal is to always provide exceptional customer service to her clients.</image:caption>
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      <image:title>Associates - Jenny McNeal</image:title>
      <image:caption>Mrs. McNeal began working in the insurance business almost 18 years ago in her father’s agency in a small farm town in Ohio. Following a move to the South in 2001, she has grown her knowledge and experience of the Insurance Industry to encompass all levels of significance, specializing in high net-worth clients. She has worked for various brokers all of whose business was focused in the Southeast, and has been based in the Atlanta market for the last 3 years. This experience has given her the ability to manage clients with varying needs, including coastal and rural exposures, while still maintaining a personalized, “small-town” approach. She has earned her CISR (Certified Insurance Service Representative) designation and is constantly expanding her knowledge of the insurance market. When not working, Jenny enjoys cooking, making jewelry and volunteering time to local animal charities.</image:caption>
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      <image:title>Associates - Laurie Mills</image:title>
      <image:caption>Laurie Mills serves as Commercial Account Manager for Cay Insurance Services. She has nearly 20 years experience in the insurance industry, specializing in property &amp; casualty lines. Laurie has extensive experience in small business account management. Laurie began her insurance career in 1995 with Edwards Insurance Agency. She later worked for Palmer &amp; Cay in the Private Accounts Division, managing and servicing accounts for high net-worth individuals. Prior to joining Cay Insurance Services, she worked for Wells Fargo Insurance Services/USI Insurance Services LLC as a Commercial Senior Account Manager for the small business unit. She resides in Savannah and in her spare time enjoys running and competing in 5K’s.</image:caption>
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      <image:title>Associates - Clay Morrow</image:title>
      <image:caption>Clay has been in the commercial property and casualty insurance business since 2015. He is a Savannah Country Day School alumnus and graduated from the University of Georgia with a BBA degree in Risk Management and Insurance. As an Account Executive, Clay works diligently to help businesses secure the most cost-effective insurance programs available. He holds the Associate in Risk Management (ARM) and Accredited Adviser in Insurance (AAI) designations.</image:caption>
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