Our People

We see ourselves as advocates

noun; ad■vo■cate – one who speaks or acts in favor of another.

We take the greed out of business.

All too often we hear about agents who say they are there for their client, but unfortunately they tend to neglect them when a bigger fish swims along. Here at IOA, we treat all of our clients the same, no matter their size, or how many years we have done business together. Our commission structure is aligned with our values, and we do not decrease our agents’ commission percentage after the first two years. This incentivizes our agents to work hard and best position their clients’ coverage each year. Our agents own their own book of business, so their focus is client loyalty and growth. The IOA team members that service client accounts also have ownership through an employee stock program, emphasizing personal interest in client success. IOA is privately held, which enables us to focus on what’s important and not have to justify margins to shareholders. Our success has been the result of long-term relationships and referrals that come from our loyal customers. We are determined to take the greed out of the business and replace it with long-term, mutually beneficial relationships with our clients.

We invest in our people.

Now more than ever, in a continuously changing insurance industry, we recognize the need to proactively adapt to best serve our clients year after year. We, as an organization, have to see it, plan it, and DO IT to continue to provide great solutions for our clients. In the fall of 2013, we created an area called Think!Space, and it has provided a birthplace for creative thought, visual narratives, and forward-thinking concepts. Many committees, as a result of these meetings, are proactively molding our current client experience, technology and communication initiatives. We recognize that we don’t know it all individually; however, we know the talents of our people shine most when we are working together. At IOA, we find our freedom and independence in an interdependent community of knowledge that ultimately serves you, our client.

We create a community of innovation.

We recognize that happy and healthy team members provide the best service. Even though we have over 1,000 team members nationwide, we are one family. We look for employees that are passionate about what they do, have an entrepreneurial spirit, and really love their job. At IOA, we provide a fun work atmosphere and opportunity for career growth. With a very generous employee benefits program, retirement plan, on-site gym, and community time, we engage in our team members’ success. We also have a Helping Hands program funded by our agents that assists any employee who may be going through a hard time. How we serve our clients is a reflection of how we serve each other every day in the office.

One Team

Insurance Office of America’s executive leadership team is comprised of a variety of insurance professionals that work in the business as well as on the business. Many of our board of directors members are themselves licensed and serve their own client base by bringing value consistent with the overall goals of the organization. Our leadership team both solicits and acts upon the input of our nationwide team members to shape and deploy our enterprise strategies. Members of the IOA Board of Directors are a testament to how committed employees that take initiative can grow into leadership roles.

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Our Board of Directors

Heath Ritenour, CEO

Heath Ritenour

Chairman & CEO

Heath joined Insurance Office of America in 1996. He attended Liberty University where he majored in Business Administration and played football at the Liberty University. Heath currently holds the (2-20) Property & Casualty General Lines and (2-18) Life & Health Life (including variable annuity) insurance licenses. Heath has been married to his wife Abby for over ten years, and they have a son and a daughter. Heath’s interests include spending time with his family, working out, running and he is an avid Pittsburgh Steelers fan. Heath is a Member of The Seminole State College Foundation Board, Board of Elders of Grace Church of Longwood, Advisory Board of Lifework Leadership Orlando and President of the IOA Foundation.
Jeff Lagos, Our Leadership

Jeff Lagos


Jeff joined Insurance Office of America as a Vice President in 2000 after a 10-year career with the Auto-Owners Insurance Group. While he was employed by Auto-Owners, Jeff held various positions in the Commercial Lines Underwriting and Marketing divisions. In 2003, Jeff was named to the IOA Board of Directors and promoted to Senior Vice President. In 2008 he was elevated to the role of President. In addition to his management responsibilities, Jeff manages an extensive client portfolio. These clients operate in a wide range of fields that include manufacturing, related medical fields, construction, and Universities. Jeff earned a degree in Finance from the University of Central Florida in 1989. While at UCF, Jeff was a member of the first baseball team to earn a berth in Division 1 Regional NCAA playoffs. In 1995 he was awarded the Chartered Property and Casualty Underwriter designation. In 2010, Jeff was elected to the UCF College of Business Hall of Fame. Jeff has been married to his wife Lisa for more than 20 years. They have a son and a daughter. In his spare time, he coaches his children’s sports teams, plays golf and volunteers for many, not for profit organizations that are focused on youth sports and the University of Central Florida.

Danny Anderson

Regional President

Danny has been extensively involved in servicing the Workers’ Compensation industry for over 30 years. He began his career as a Claims Adjuster assisting clients in the Construction, Governmental, and Agricultural industries. Danny was instrumental in starting and servicing several Workers’ Compensation programs through the Southeast United States. He was one of the founders and owners of CRIMS, Inc., a Florida based third-party administrator of Workers’ Compensation program which was sold in 1996. Danny joined Insurance Office of America as a Vice President in 2000. He was made Partner in 2002 and appointed to the IOA Advisory Council. In 2007 he was named to the IOA Group, LLC Board of Directors and promoted to Senior Vice President. In 2008, Danny was named to the FCCI Agents Advisory Board. He holds the CPCU and AAI designations. Danny was promoted to Florida’s Regional President in 2014. In addition to his leadership and advisory responsibilities, Danny manages a large client portfolio. These clients operate in a wide range of fields that include professional sporting teams, construction, auto dealerships, agriculture and the hospitality industry. Danny earned a degree in Economics from the University of Georgia in 1979. Danny and his wife Kim have been married for over 25 years and have four children. He serves as an elder at Lake Baldwin Church.
Bruce Eades, Our People

Bruce Eades

Regional President

Bruce Eades is Regional President and Partner of Insurance Office of America (IOA). He regularly consults with executives from a variety of fields to help executives understand how risk management concepts can impact their business and to give them a better understanding of the current commercial property and casualty trends. Before his current position, he was Vice President of Hilb, Rogal, and Hamilton where he received the President’s National Sales Achievement Award from 1996 to 2002. A veteran of the insurance industry since 1984 he was raised in Gainesville, Georgia, Bruce continues to live in Gainesville with his wife and three children. He is a graduate of the University of Alabama. He received his AAI designation in 1996 and received his CIC designation in 2005. Bruce was IOA’s 2009 agent of the year and was appointed to the IOA’s Board of Directors in 2010. He is active in his local church and currently serves on the North Georgia YMCA Board of Directors.
Ricky Lott, Our People

Richard Lott

Regional President

Richard Lott joined Insurance Office of America as Branch Representative and Vice President in May 2005. Richard started the Birmingham branch along with his son, Andy and Diane Brayman. In 1975, Ricky started at the University of Alabama Birmingham and majored in Business. He entered the insurance world in 1982. He has experience with Life & Health, Brokerage and has been a Property and Casualty producer since 1992. Richard served on the Birmingham Independent Insurance Agents Association Board of Directors and was President in 2005. He was appointed to the Board of Directors for IOA in 2010 and was also awarded Partner of the Year. Richard was named a Regional President in 2013. Married for more than 30 years to his wife Rebecca, they have three grown children and twin granddaughters. Ricky has been involved with several community groups, clubs, and youth sports. He serves as an usher in his local church.
Rob Motley

Rob Motley

Regional President

Graduating with a Bachelor of Science in Insurance and Economic Development from the University of South Carolina in 1987, Rob began his insurance career with State Farm Insurance. In 1990, he joined the Davis-Garvin Agency. During his tenure, his positions included Sales, Commercial Lines Manager, Marketing Manager, Sales Manager and Vice President. His responsibilities included Business Development, Agency Acquisition Development, Carrier Relations Development and Agency Management. In 2000, Rob joined Carolina Insurance Consultants (CIC). As a partner with CIC, he opened and managed the Columbia, SC branch. In 2003, Rob acquired the Columbia operation of CIC and merged it with Insurance Office of America (IOA). Rob was appointed to the IOA Board of Directors in 2008 and named Regional President in 2013 responsible for New York down to the Carolina’s operations of IOA. Past roles included: Member of IOA’s Advisory Council 2005-2007, Chairman of IOA Advisory Council 2007. He was awarded IOA Agent of the Year 2007 and Chairman’s Club member in 2006, 2007, 2011, 2012 and 2013. In addition, the Columbia branch was awarded IOA Small Branch of the Year 2005, 2006 and 2009 and awarded large branch of the year 2012. Rob received his Certified Insurance Counselor (CIC) designation in 1994. He is a Certified RiskScore® Consultant and is a co-owner of Coral BK. Coral BK is the patent holder of I-Verify, a web-based system to electronically verify insurance coverage for all parties. He is actively involved with his church, community, and charitable organizations, social and governmental agendas and is the managing partner of Oak Development Company, LLC, Post Oak Development, LLC and Charlex Holdings, LLC.
John Tenuto

John Tenuto

Regional President

John Tenuto is Regional President of the western branch offices of Insurance Office of America, Inc. He founded the first California branch when he joined IOA in 2005, and was appointed to the IOA Board of Directors in 2010. John graduated from California State University, with a Bachelor of Arts degree in Political Science. He began his insurance career in 1985, developing his expertise at a number of prominent brokerages in both Northern and Southern California, including HRH, Barney & Barney, and Dealey, Renton & Associates. John also founded Tenuto & Associates Insurance Services in 1994, which was acquired by HRH in 2001. His practice focuses on providing his clients property and casualty insurance products and various risk management services. John specializes in representing design and construction related firms. He has presented in various loss prevention and risk management seminars over the past 25 years.
Jon Thurman

Jon Thurman

Executive VP

Jon Thurman is a Director and Executive Vice President at Insurance Office of America providing executive leadership oversight to the Shared Services Group of the company giving primary focus to the development of our people and our overall enterprise “go forward” strategy. Thurman received his BA from Jacksonville University in Marketing and Economics. Prior to joining IOA, Thurman held various and diverse positions in the world of commerce ranging from National Account sales executive roles for several international public companies to most recently as a business owner of a mid-sized privately-held company. Before turning to the corporate sector, Jon worked in the privately held investment arena serving as a senior leader in various companies focused on strategic acquisitions, business turnarounds and sustainable income production. Along the way Jon has integrated his lifework and followed his passion of helping others navigate the complexities of their own life’s journey, as they become more of the person they have been uniquely created to be. Jon is married to Cindy and is a member of the LIFEWORK Leadership-Orlando Board of Advisors where he serves in an on-going capacity as a Leadership Coach and regular speaker. Additionally, Jon serves in a strategic advisory and mentoring role for several senior leaders and business owners in a number of privately held businesses.

Chris Labrecque

President, E.B.S Division

Chris Labrecque is president of the employee benefits services (EBS) division of IOA. Prior to his current role, he served as managing partner of the employee benefits division and Vice President of the IOA Northeast benefits division. He has over 20 years of experience in the insurance and benefits industry and was previously an owner of Norwood Life Associates in Long Branch, New Jersey. He also holds the professional designation of certified insurance counselor (CIC). Labrecque also serves on the Council of Insurance Agents & Brokers (CIAB) Council of Employee Benefits Executives as an advisory board member. The advisory board represents the benefits business interests of The Council’s member firms and guides its benefits initiatives, including targeted advocacy efforts and market intelligence.
Chip Meyers, Our Leadership

Chip Meyers


Chip joined Insurance Office of America in 2014 as its controller and treasurer. In 2016, he was appointed to the board of directors and promoted to chief financial officer of IOA. Chip began his career in the insurance industry serving five years as the assistant corporate controller of Brown & Brown Inc. He also has held controller-level positions in the real estate development and legal services industries. Chip earned a Bachelor of Arts degree in business administration at the University of Florida and a master's degree in accounting from Nova Southeastern University. Chip has been a licensed Florida certified public accountant (CPA) since 2008. He resides in Longwood, Florida, with his wife, Crystal, and their two children.

Greg Masters


Greg joined Insurance Office of America in September of 2012 as Vice President, IOA Group Controller. Greg attended the University of Central Florida where he earned his BSBA in accounting and his Masters of Science in taxation. He is a certified public accountant (CPA) licensed in the state of Florida. Greg began his career with PriceWaterhouseCoopers (PwC) where he worked in audit and assurance services. After PwC, Greg worked at Universal Orlando. At Universal Orlando, he started as the manager of internal audits and then transitioned to the senior manager of financial reporting. Greg left Universal Orlando to join IOA.