Cyber/Privacy Liability
Civil Money Penalties
(CMP) Personal Protection Policy
Blanket Mortgage Protection
Data breaches take many forms. Some derive from external hackers; others from malicious insiders. A third – and surprisingly large category – derive from simple carelessness. Many pose a real threat to the individuals whose personally identifiable data has been lost or stolen. Others prove on investigation to be false alarms, but the forensic costs of establishing this can be high. It’s no surprise that three of the top five fraud threats of concern to the FDIC are cyber-related. Cyber Liability is a unique insurance, loss control and risk mitigation service that provides a comprehensive service to notify and protect the customers of policyholders that have suffered a data breach.
Coverage highlights include:
One of our preferred carriers has developed this unique product to address the coverage gap resulting from the FDIC mandate that coverage could no longer be endorsed to financial institution’s Directors & Officers (D&O) Policy. The CMP Personal Protection Policy is a separate, stand-alone insurance policy that is purchased directly by the D&Os of Community Banks. The bank does not pay for, nor is it an insured party under the contract.
Description of Coverage:
The CMP policy insures the “Institution-affiliated Party” (designated individual) against CMPs leveled against them by a federal banking regulatory agency.
Definitions:
Additional coverage fact
This new CMP product was designed specifically to help community banks attract quality management, while at the same time providing the D&Os with ‘peace of mind’ protection.
Is keeping track of your mortgagor’s hazard insurance coverage costing you a lot of time, effort and expense? Our Mortgage Protection program requires only that you confirm adequate mortgagor insurance coverage at loan closing. There is no need thereafter to track the mortgagor’s insurance coverage, or to react to known lapses, non-renewals or cancellations of mortgagor coverage. NO MORE FORCE PLACING!
All real-estate secured loans, including first mortgages, second mortgages, home equity lines of credit and commercial mortgages qualify for coverage.
Our Mortgage Protection programs protect your mortgage portfolio against:
Cyber/Privacy Liability
Civil Money Penalties
(CMP) Personal Protection Policy
Blanket Mortgage Protection
WVBA Insurance Group, an affiliate of the West Virginia Bankers Association, provides a full line of insurance products targeted specifically to meet the wide-ranging needs of West Virginia banks. Our team is fully trained in analyzing your bank and its specific needs. We look closely for both gaps and overlaps in your various policies, and utilize peer analysis and benchmarking to make coverage recommendations. Understanding the impact of compliance to the banking industry, we will advise you on the compliance risk of your insurance and employee benefits programs.
President and CEO
Phone: 304.343.8838 | Toll-Free:
Click to email Chuck Maggard | Fax: 304.343.9749
Chuck’s Bio:
Chuck Maggard is the Agency Manager and Financial Institution Specialist of WVBA Insurance Group. Chuck is a graduate of Eastern Kentucky University with a BBA in Finance and has spent his entire career helping community banks with their insurance needs.
Chuck chose insurance as a profession fresh out of college and in 1993 formed his own company that focused solely on the needs of the financial industry. Chuck and his team of experts have formed relationships with banks in several states, helping them in the following areas: Property/Casualty, Professional Lines, Collateral Protection, Fee Income Programs, and Employee Benefits. In addition to the day to day management of WVBA Insurance Group, Chuck performs consulting work for banks with insurance agencies.
When not busy at work, Chuck enjoys spending time with family, playing golf, and cheering on his favorite sports teams, the Kentucky Wildcats, and Cincinnati Bengals.
Account Representative
Phone: 502.736.1298 | Toll-Free:
Click to email Brandon Maggard | Fax: 304.343.9749
Brandon’s Bio:
Sales agent Brandon Maggard currently lives in Louisville, KY but originally hails from London, KY. Brandon holds his Life & Health and Property & Casualty licenses. Brandon’s role with the company is to help community banks meet their insurance needs while providing the best service possible. When he is not working, Brandon enjoys cheering on the Kentucky Wildcats, Cincinnati Reds & Bengals, playing golf and training for races with his wife, Alison.
Insurance Services Coordinator
Phone: | Toll-Free:
Fax: 304.343.9749
Audrey’s Bio:
Audrey Whitaker assists with nearly every case for WVBA Insurance Group. She keeps a pulse on the policies and operates as the go-to person for policy renewals, changes, invoicing (P&C and Professional lines); and agent licensing. Audrey holds her Property & Casualty license since 2011. When not cheering on her Louisville Cardinals, Audrey spends time with her daughter, Catherine and husband, Jeff.
Director of Sales & Service
Phone: | Toll-Free:
Click to email Lisa Mattingly | Fax: 304.343.9749
Lisa’s Bio:
Sales agent Lisa Mattingly has 36 years of experience and we are confident to say, Lisa knows her business. Lisa holds her Life & Health and Property & Casualty licenses and is an accredited Health Insurance Associate for both individual and group. Described by many as an “expert” on the Affordable Care Act, Lisa can help your bank safely navigate the waters of healthcare reform. Lisa’s goal is to make sure clients have one place to call for any and all questions they have regarding employee benefits Accountability is key for Lisa; her clients know she will find the answer or solution for any situation. Married to Mike Mattingly for nearly, Lisa and Mike have 4 children total, and 3 grandchildren.
Benefit Specialist
Toll-Free: | Fax: 304.343.9749
Donna’s Bio:
Service Manager Donna McCartin would be a heavy contender for world’s kindest person contest. Donna hails from Glasgow, KY and has lived in Southern Indiana for the past 48 years. Donna is the proud mother of four children and four grandchildren. Donna’s role with the company is to assist clients with benefit, claim, and billing questions. Additionally, she handles enrollments, terminations, renewals and pharmacy issues. Donna graduated from Purdue University with a Bachelor’s degree in Pharmaceutical Science. Donna holds her Life & Health and Property & Casualty licenses. Odds are good after you hang up the phone with Donna, you are smiling.
Benefit Support Specialist
Phone: | Toll-Free:
Fax: 304.343.9749
Allie’s Bio:
Allie was born and raised in Louisville, Kentucky, and attended Bellarmine University where she graduated with a Bachelor’s in Psychology. She holds her Health and Life licenses. Allie provides administrative support and assists with agent licensing, enrollment and termination issues, and benefit, claims, and billing questions. When not working, Allie enjoys spending time with her friends and family, training her puppy, and horseback riding.
President and CEO
Phone: 304.343.8838 | Toll-Free:
Click to email Chuck Maggard | Fax: 304.343.9749
Chuck’s Bio:
Chuck Maggard is the Agency Manager and Financial Institution Specialist of WVBA Insurance Group. Chuck is a graduate of Eastern Kentucky University with a BBA in Finance and has spent his entire career helping community banks with their insurance needs.
Chuck chose insurance as a profession fresh out of college and in 1993 formed his own company that focused solely on the needs of the financial industry. Chuck and his team of experts have formed relationships with banks in several states, helping them in the following areas: Property/Casualty, Professional Lines, Collateral Protection, Fee Income Programs, and Employee Benefits. In addition to the day to day management of WVBA Insurance Group, Chuck performs consulting work for banks with insurance agencies.
When not busy at work, Chuck enjoys spending time with family, playing golf, and cheering on his favorite sports teams, the Kentucky Wildcats, and Cincinnati Bengals.
Account Representative
Phone: 502.736.1298 | Toll-Free:
Click to email Brandon Maggard | Fax: 304.343.9749
Brandon’s Bio:
Sales agent Brandon Maggard currently lives in Louisville, KY but originally hails from London, KY. Brandon holds his Life & Health and Property & Casualty licenses. Brandon’s role with the company is to help community banks meet their insurance needs while providing the best service possible. When he is not working, Brandon enjoys cheering on the Kentucky Wildcats, Cincinnati Reds & Bengals, playing golf and training for races with his wife, Alison.
Insurance Services Coordinator
Phone: | Toll-Free:
Fax: 304.343.9749
Audrey’s Bio:
Audrey Whitaker assists with nearly every case for WVBA Insurance Group. She keeps a pulse on the policies and operates as the go-to person for policy renewals, changes, invoicing (P&C and Professional lines); and agent licensing. Audrey holds her Property & Casualty license since 2011. When not cheering on her Louisville Cardinals, Audrey spends time with her daughter, Catherine and husband, Jeff.
Director of Sales & Service
Phone: | Toll-Free:
Click to email Lisa Mattingly | Fax: 304.343.9749
Lisa’s Bio:
Sales agent Lisa Mattingly has 36 years of experience and we are confident to say, Lisa knows her business. Lisa holds her Life & Health and Property & Casualty licenses and is an accredited Health Insurance Associate for both individual and group. Described by many as an “expert” on the Affordable Care Act, Lisa can help your bank safely navigate the waters of healthcare reform. Lisa’s goal is to make sure clients have one place to call for any and all questions they have regarding employee benefits Accountability is key for Lisa; her clients know she will find the answer or solution for any situation. Married to Mike Mattingly for nearly, Lisa and Mike have 4 children total, and 3 grandchildren.
Benefit Specialist
Toll-Free: | Fax: 304.343.9749
Donna’s Bio:
Service Manager Donna McCartin would be a heavy contender for world’s kindest person contest. Donna hails from Glasgow, KY and has lived in Southern Indiana for the past 48 years. Donna is the proud mother of four children and four grandchildren. Donna’s role with the company is to assist clients with benefit, claim, and billing questions. Additionally, she handles enrollments, terminations, renewals and pharmacy issues. Donna graduated from Purdue University with a Bachelor’s degree in Pharmaceutical Science. Donna holds her Life & Health and Property & Casualty licenses. Odds are good after you hang up the phone with Donna, you are smiling.
Benefit Support Specialist
Phone: | Toll-Free:
Fax: 304.343.9749
Allie’s Bio:
Allie was born and raised in Louisville, Kentucky, and attended Bellarmine University where she graduated with a Bachelor’s in Psychology. She holds her Health and Life licenses. Allie provides administrative support and assists with agent licensing, enrollment and termination issues, and benefit, claims, and billing questions. When not working, Allie enjoys spending time with her friends and family, training her puppy, and horseback riding.
PROPERTY & CASUALTY
COLLATERAL PROTECTION
EMPLOYEE BENEFITS
FEE INCOME
BOLI / Executive Benefits
“We thought that Open Enrollment through Enrollease went very smoothly. Especially with it being the first year we have ever done this. We at the bank were very pleased with it. I have to brag on your team. Brandon was a GREAT help in getting our online page set up and helping me with any questions that I had. Donna was always available to answer any questions that we have had or to fix any glitches that have occurred. You have a great team! Thanks so much to all of you for what you do!”
Lindsey Crump
Peoples Bank of Kentucky
“Donna is an impressive representative. She helped me with my need (insurance card), but also went ABOVE AND BEYOND with additional information to assist me.
Ex. How to use HSA, additional discounts at the drug store and sent several attachments with further information.”
D.Gentry
AVP/HR Manager
First Security Bank
“After renewing our Financial Institution Bond with the same insurance carrier for years, we recently asked Chuck to give us a quote on an updated policy. Not only did he save us a considerable amount on the premium, using the expertise of KenBanc Insurance Group to recommend specific coverages that we needed was an important step in updating our coverage.”
Robert R. Sorrell
Vice President
First & Peoples Bank & Trust Company, Russell
“I couldn’t be happier with Chuck and his team – it’s very comforting to know if I have an issue, a question, or just need advice I can reach out to Chuck or Audrey or anyone else on his team quickly and get the answer I need. Several times I have talked to Chuck after “normal” hours, for time pressing issues; this isn’t something I would expect but have been very appreciative when I needed to speak to someone quickly. I would highly recommend KenBanc Insurance Group to anyone that puts value on experience and great service.”
John Moore
VP / Chief Risk Officer / Treasurer
Home Federal Bank, Middlesboro
Cyber/Privacy Liability
Civil Money Penalties
(CMP) Personal Protection Policy
Blanket Mortgage Protection
Data breaches take many forms. Some derive from external hackers; others from malicious insiders. A third – and surprisingly large category – derive from simple carelessness. Many pose a real threat to the individuals whose personally identifiable data has been lost or stolen. Others prove on investigation to be false alarms, but the forensic costs of establishing this can be high. It’s no surprise that three of the top five fraud threats of concern to the FDIC are cyber-related. Cyber Liability is a unique insurance, loss control and risk mitigation service that provides a comprehensive service to notify and protect the customers of policyholders that have suffered a data breach.
Coverage highlights include:
One of our preferred carriers has developed this unique product to address the coverage gap resulting from the FDIC mandate that coverage could no longer be endorsed to financial institution’s Directors & Officers (D&O) Policy. The CMP Personal Protection Policy is a separate, stand-alone insurance policy that is purchased directly by the D&Os of Community Banks. The bank does not pay for, nor is it an insured party under the contract.
Description of Coverage:
The CMP policy insures the “Institution-affiliated Party” (designated individual) against CMPs leveled against them by a federal banking regulatory agency.
Definitions:
Additional coverage fact
This new CMP product was designed specifically to help community banks attract quality management, while at the same time providing the D&Os with ‘peace of mind’ protection.
Is keeping track of your mortgagor’s hazard insurance coverage costing you a lot of time, effort and expense? Our Mortgage Protection program requires only that you confirm adequate mortgagor insurance coverage at loan closing. There is no need thereafter to track the mortgagor’s insurance coverage, or to react to known lapses, non-renewals or cancellations of mortgagor coverage. NO MORE FORCE PLACING!
All real-estate secured loans, including first mortgages, second mortgages, home equity lines of credit and commercial mortgages qualify for coverage.
Our Mortgage Protection programs protect your mortgage portfolio against:
Cyber/Privacy Liability
Civil Money Penalties
(CMP) Personal Protection Policy
Blanket Mortgage Protection
WVBA Insurance Group, an affiliate of the West Virginia Bankers Association, provides a full line of insurance products targeted specifically to meet the wide-ranging needs of West Virginia banks. Our team is fully trained in analyzing your bank and its specific needs. We look closely for both gaps and overlaps in your various policies, and utilize peer analysis and benchmarking to make coverage recommendations. Understanding the impact of compliance to the banking industry, we will advise you on the compliance risk of your insurance and employee benefits programs.
President and CEO
Phone: 304.343.8838 | Toll-Free:
Click to email Chuck Maggard | Fax: 304.343.9749
Chuck’s Bio:
Chuck Maggard is the Agency Manager and Financial Institution Specialist of WVBA Insurance Group. Chuck is a graduate of Eastern Kentucky University with a BBA in Finance and has spent his entire career helping community banks with their insurance needs.
Chuck chose insurance as a profession fresh out of college and in 1993 formed his own company that focused solely on the needs of the financial industry. Chuck and his team of experts have formed relationships with banks in several states, helping them in the following areas: Property/Casualty, Professional Lines, Collateral Protection, Fee Income Programs, and Employee Benefits. In addition to the day to day management of WVBA Insurance Group, Chuck performs consulting work for banks with insurance agencies.
When not busy at work, Chuck enjoys spending time with family, playing golf, and cheering on his favorite sports teams, the Kentucky Wildcats, and Cincinnati Bengals.
Account Representative
Phone: 502.736.1298 | Toll-Free:
Click to email Brandon Maggard | Fax: 304.343.9749
Brandon’s Bio:
Sales agent Brandon Maggard currently lives in Louisville, KY but originally hails from London, KY. Brandon holds his Life & Health and Property & Casualty licenses. Brandon’s role with the company is to help community banks meet their insurance needs while providing the best service possible. When he is not working, Brandon enjoys cheering on the Kentucky Wildcats, Cincinnati Reds & Bengals, playing golf and training for races with his wife, Alison.
Insurance Services Coordinator
Phone: | Toll-Free:
Fax: 304.343.9749
Audrey’s Bio:
Audrey Whitaker assists with nearly every case for WVBA Insurance Group. She keeps a pulse on the policies and operates as the go-to person for policy renewals, changes, invoicing (P&C and Professional lines); and agent licensing. Audrey holds her Property & Casualty license since 2011. When not cheering on her Louisville Cardinals, Audrey spends time with her daughter, Catherine and husband, Jeff.
Director of Sales & Service
Phone: | Toll-Free:
Click to email Lisa Mattingly | Fax: 304.343.9749
Lisa’s Bio:
Sales agent Lisa Mattingly has 36 years of experience and we are confident to say, Lisa knows her business. Lisa holds her Life & Health and Property & Casualty licenses and is an accredited Health Insurance Associate for both individual and group. Described by many as an “expert” on the Affordable Care Act, Lisa can help your bank safely navigate the waters of healthcare reform. Lisa’s goal is to make sure clients have one place to call for any and all questions they have regarding employee benefits Accountability is key for Lisa; her clients know she will find the answer or solution for any situation. Married to Mike Mattingly for nearly, Lisa and Mike have 4 children total, and 3 grandchildren.
Benefit Specialist
Toll-Free: | Fax: 304.343.9749
Donna’s Bio:
Service Manager Donna McCartin would be a heavy contender for world’s kindest person contest. Donna hails from Glasgow, KY and has lived in Southern Indiana for the past 48 years. Donna is the proud mother of four children and four grandchildren. Donna’s role with the company is to assist clients with benefit, claim, and billing questions. Additionally, she handles enrollments, terminations, renewals and pharmacy issues. Donna graduated from Purdue University with a Bachelor’s degree in Pharmaceutical Science. Donna holds her Life & Health and Property & Casualty licenses. Odds are good after you hang up the phone with Donna, you are smiling.
Benefit Support Specialist
Phone: | Toll-Free:
Fax: 304.343.9749
Allie’s Bio:
Allie was born and raised in Louisville, Kentucky, and attended Bellarmine University where she graduated with a Bachelor’s in Psychology. She holds her Health and Life licenses. Allie provides administrative support and assists with agent licensing, enrollment and termination issues, and benefit, claims, and billing questions. When not working, Allie enjoys spending time with her friends and family, training her puppy, and horseback riding.
President and CEO
Phone: 304.343.8838 | Toll-Free:
Click to email Chuck Maggard | Fax: 304.343.9749
Chuck’s Bio:
Chuck Maggard is the Agency Manager and Financial Institution Specialist of WVBA Insurance Group. Chuck is a graduate of Eastern Kentucky University with a BBA in Finance and has spent his entire career helping community banks with their insurance needs.
Chuck chose insurance as a profession fresh out of college and in 1993 formed his own company that focused solely on the needs of the financial industry. Chuck and his team of experts have formed relationships with banks in several states, helping them in the following areas: Property/Casualty, Professional Lines, Collateral Protection, Fee Income Programs, and Employee Benefits. In addition to the day to day management of WVBA Insurance Group, Chuck performs consulting work for banks with insurance agencies.
When not busy at work, Chuck enjoys spending time with family, playing golf, and cheering on his favorite sports teams, the Kentucky Wildcats, and Cincinnati Bengals.
Account Representative
Phone: 502.736.1298 | Toll-Free:
Click to email Brandon Maggard | Fax: 304.343.9749
Brandon’s Bio:
Sales agent Brandon Maggard currently lives in Louisville, KY but originally hails from London, KY. Brandon holds his Life & Health and Property & Casualty licenses. Brandon’s role with the company is to help community banks meet their insurance needs while providing the best service possible. When he is not working, Brandon enjoys cheering on the Kentucky Wildcats, Cincinnati Reds & Bengals, playing golf and training for races with his wife, Alison.
Insurance Services Coordinator
Phone: | Toll-Free:
Fax: 304.343.9749
Audrey’s Bio:
Audrey Whitaker assists with nearly every case for WVBA Insurance Group. She keeps a pulse on the policies and operates as the go-to person for policy renewals, changes, invoicing (P&C and Professional lines); and agent licensing. Audrey holds her Property & Casualty license since 2011. When not cheering on her Louisville Cardinals, Audrey spends time with her daughter, Catherine and husband, Jeff.
Director of Sales & Service
Phone: | Toll-Free:
Click to email Lisa Mattingly | Fax: 304.343.9749
Lisa’s Bio:
Sales agent Lisa Mattingly has 36 years of experience and we are confident to say, Lisa knows her business. Lisa holds her Life & Health and Property & Casualty licenses and is an accredited Health Insurance Associate for both individual and group. Described by many as an “expert” on the Affordable Care Act, Lisa can help your bank safely navigate the waters of healthcare reform. Lisa’s goal is to make sure clients have one place to call for any and all questions they have regarding employee benefits Accountability is key for Lisa; her clients know she will find the answer or solution for any situation. Married to Mike Mattingly for nearly, Lisa and Mike have 4 children total, and 3 grandchildren.
Benefit Specialist
Toll-Free: | Fax: 304.343.9749
Donna’s Bio:
Service Manager Donna McCartin would be a heavy contender for world’s kindest person contest. Donna hails from Glasgow, KY and has lived in Southern Indiana for the past 48 years. Donna is the proud mother of four children and four grandchildren. Donna’s role with the company is to assist clients with benefit, claim, and billing questions. Additionally, she handles enrollments, terminations, renewals and pharmacy issues. Donna graduated from Purdue University with a Bachelor’s degree in Pharmaceutical Science. Donna holds her Life & Health and Property & Casualty licenses. Odds are good after you hang up the phone with Donna, you are smiling.
Benefit Support Specialist
Phone: | Toll-Free:
Fax: 304.343.9749
Allie’s Bio:
Allie was born and raised in Louisville, Kentucky, and attended Bellarmine University where she graduated with a Bachelor’s in Psychology. She holds her Health and Life licenses. Allie provides administrative support and assists with agent licensing, enrollment and termination issues, and benefit, claims, and billing questions. When not working, Allie enjoys spending time with her friends and family, training her puppy, and horseback riding.
PROPERTY & CASUALTY
COLLATERAL PROTECTION
EMPLOYEE BENEFITS
FEE INCOME
BOLI / Executive Benefits
“We thought that Open Enrollment through Enrollease went very smoothly. Especially with it being the first year we have ever done this. We at the bank were very pleased with it. I have to brag on your team. Brandon was a GREAT help in getting our online page set up and helping me with any questions that I had. Donna was always available to answer any questions that we have had or to fix any glitches that have occurred. You have a great team! Thanks so much to all of you for what you do!”
Lindsey Crump
Peoples Bank of Kentucky
“Donna is an impressive representative. She helped me with my need (insurance card), but also went ABOVE AND BEYOND with additional information to assist me.
Ex. How to use HSA, additional discounts at the drug store and sent several attachments with further information.”
D.Gentry
AVP/HR Manager
First Security Bank
“After renewing our Financial Institution Bond with the same insurance carrier for years, we recently asked Chuck to give us a quote on an updated policy. Not only did he save us a considerable amount on the premium, using the expertise of KenBanc Insurance Group to recommend specific coverages that we needed was an important step in updating our coverage.”
Robert R. Sorrell
Vice President
First & Peoples Bank & Trust Company, Russell
“I couldn’t be happier with Chuck and his team – it’s very comforting to know if I have an issue, a question, or just need advice I can reach out to Chuck or Audrey or anyone else on his team quickly and get the answer I need. Several times I have talked to Chuck after “normal” hours, for time pressing issues; this isn’t something I would expect but have been very appreciative when I needed to speak to someone quickly. I would highly recommend KenBanc Insurance Group to anyone that puts value on experience and great service.”
John Moore
VP / Chief Risk Officer / Treasurer
Home Federal Bank, Middlesboro