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Guy W. Millner
Guy W. Millner

Executive Chairman and Founder

Guy W. Millner

Guy serves as Executive Chairman of AssuranceAmerica, guiding the company’s focus towards becoming a leader in the auto insurance sector. As a Co-Founder, Guy chairs the Board of Directors and works with the executive team to establish the strategic direction of the company.

Additionally, Guy champions AssuranceAmerica’s philanthropic endeavors where the company gives back 5% of pre-tax earnings to charitable organizations focused on ending homelessness.

Prior to AssuranceAmerica, Guy served as Founder and Chief Executive Officer of Norrell Corporation (NYSE), a leading national provider of staffing and outsourcing solutions. He then stepped into politics running as a Republican for Governor of Georgia in 1994 and 1998, and as United States Senator from Georgia in 1996. Despite losing all three races, he is acclaimed for building Georgia into a two-party state.

Guy has a bachelor’s degree in Political Science and Government from Florida State University and served eight years in the Naval Reserve.

Joseph J. Skruck
Joseph J. Skruck

Chief Executive Officer

Joseph J. Skruck

Joe serves as Chief Executive Officer at AssuranceAmerica Corporation, responsible for the overall strategy and direction of the company. Since joining the company as co-founder in 2002, he has guided the steady growth of the organization through a variety of business cycles and at a pace of increased Gross Written Premium (GWP) that was industry record setting in 2019.

Prior to AssuranceAmerica, Joe served as Senior Vice President of Sun States Insurance Group with direct responsibility for Product Management and Personal Lines Insurance and held additional Product Management roles with Great American Insurance and Anthem Casualty Companies.

Joe earned a Bachelor of Arts Degree in Economics from The Ohio State University and a Master of Science in Risk Management from Georgia State University. He also holds active Property and Casualty and Excess and Surplus licenses several states. He also holds designations of Chartered Property Casualty Underwriter (CPCU) and Certified Insurance Counselor (CIC).

Scott Pitrone
Scott Pitrone

President and Chief Operating Officer

Scott Pitrone

Scott serves as President and Chief Operating Officer, providing insight and leadership for the continued success and growth of the company. Scott brings with him extensive experience and a successful track record of managing large teams and multiple departments, with direct oversight in the strategic development and deployment of insurance products contributing significantly to the company’s trajectory. Scott is deeply involved in several operational areas of the business including Product Management, Pricing, Customer Service, and Information Technology. He shares responsibility with the Executive Chairman, CEO and CFO in building the company portfolio, influencing new business ventures, and identifying expansion opportunities.

Prior to joining AssuranceAmerica in 2019, Scott was with Infinity Insurance where he spent 25 years in a variety of executive roles, most recently as Senior Vice President of Product Management. Scott started his insurance career at Progressive Insurance where he managed a regional pricing group.

Scott earned a bachelor’s degree in Economics from The Ohio State University.

Daniel J. Scruggs
Daniel J. Scruggs

Executive Vice President and Chief Financial Officer

Daniel J. Scruggs

Daniel serves as Executive Vice President and Chief Financial Officer at AssuranceAmerica with responsibilities including Finance and Accounting, as well as Claims and Compliance.

Prior to joining AssuranceAmerica in 2009, Daniel served as Director of Financial Planning & Analysis and Assistant Treasurer of ChoicePoint (an insurance data and analytics company acquired by LexisNexis owner Reed Elsevier).

Daniel earned his bachelor’s degree in Accounting from Troy State University and is a licensed CPA in the state of Georgia.

Guy W. Millner

Guy serves as Executive Chairman of AssuranceAmerica, guiding the company’s focus towards becoming a leader in the auto insurance sector. As a Co-Founder, Guy chairs the Board of Directors and works with the executive team to establish the strategic direction of the company.

Additionally, Guy champions AssuranceAmerica’s philanthropic endeavors where the company gives back 5% of pre-tax earnings to charitable organizations focused on ending homelessness.

Prior to AssuranceAmerica, Guy served as Founder and Chief Executive Officer of Norrell Corporation (NYSE), a leading national provider of staffing and outsourcing solutions. He then stepped into politics running as a Republican for Governor of Georgia in 1994 and 1998, and as United States Senator from Georgia in 1996. Despite losing all three races, he is acclaimed for building Georgia into a two-party state.

Guy has a bachelor’s degree in Political Science and Government from Florida State University and served eight years in the Naval Reserve.

Joseph J. Skruck

Joe serves as Chief Executive Officer at AssuranceAmerica Corporation, responsible for the overall strategy and direction of the company. Since joining the company as co-founder in 2002, he has guided the steady growth of the organization through a variety of business cycles and at a pace of increased Gross Written Premium (GWP) that was industry record setting in 2019.

Prior to AssuranceAmerica, Joe served as Senior Vice President of Sun States Insurance Group with direct responsibility for Product Management and Personal Lines Insurance and held additional Product Management roles with Great American Insurance and Anthem Casualty Companies.

Joe earned a Bachelor of Arts Degree in Economics from The Ohio State University and a Master of Science in Risk Management from Georgia State University. He also holds active Property and Casualty and Excess and Surplus licenses several states. He also holds designations of Chartered Property Casualty Underwriter (CPCU) and Certified Insurance Counselor (CIC).

Scott Pitrone

Scott serves as President and Chief Operating Officer, providing insight and leadership for the continued success and growth of the company. Scott brings with him extensive experience and a successful track record of managing large teams and multiple departments, with direct oversight in the strategic development and deployment of insurance products contributing significantly to the company’s trajectory. Scott is deeply involved in several operational areas of the business including Product Management, Pricing, Customer Service, and Information Technology. He shares responsibility with the Executive Chairman, CEO and CFO in building the company portfolio, influencing new business ventures, and identifying expansion opportunities.

Prior to joining AssuranceAmerica in 2019, Scott was with Infinity Insurance where he spent 25 years in a variety of executive roles, most recently as Senior Vice President of Product Management. Scott started his insurance career at Progressive Insurance where he managed a regional pricing group.

Scott earned a bachelor’s degree in Economics from The Ohio State University.

Daniel J. Scruggs

Daniel serves as Executive Vice President and Chief Financial Officer at AssuranceAmerica with responsibilities including Finance and Accounting, as well as Claims and Compliance.

Prior to joining AssuranceAmerica in 2009, Daniel served as Director of Financial Planning & Analysis and Assistant Treasurer of ChoicePoint (an insurance data and analytics company acquired by LexisNexis owner Reed Elsevier).

Daniel earned his bachelor’s degree in Accounting from Troy State University and is a licensed CPA in the state of Georgia.

Ralph Gravelle
Ralph Gravelle

Chief Information Officer

Ralph Gravelle

Ralph serves as our Chief Information Officer with responsibility for all aspects of Information Technology for the company.  Ralph’s focus is on developing a state-of-the-art Information Technology department that is delivering best in class solutions.  To that end, Ralph is leading a strategy of moving us to the cloud, developing a robust data capability, and implementing a mobile-first approach to business.

Ralph joined AssuranceAmerica in 2019 with over 30 years’ experience in the insurance field, most recently as the CIO of Infinity Insurance Company.  With a long track record of success across all facets of information technology and a strong focus on business success, Ralph brings an innovative mindset to the organization.

Ralph attended Auburn University and Herzing College.

Nicole Ashe
Nicole Ashe

Chief People Officer

Nicole Ashe

Nicole serves as Chief People Officer, responsible for the Human Capital Management, Inclusivity, Diversity and Equity and overall operations of the Human Resources Department.

Nicole brings nearly 20 years of management experience to AssuranceAmerica, having helped large enterprises set the direction for their Learning and Development initiatives, as well as oversee all standard Human Resource functions. Prior to joining the company, she served as Executive Vice President and Chief HR Officer for Iconex LLC (an Atlas Holdings Company) and Senior Vice-President of Human resources at Cox Automotive.

Nicole earned her bachelor’s degree in Business Administration and Management from South Carolina State University.

Anthony Smarrelli
Anthony Smarrelli

Senior Vice President, Claims

Anthony Smarrelli

Tony serves as Senior Vice President of Claims, he is responsible for claims strategy and overall operations of the claims department.

Tony joined AssuranceAmerica in 2020 bringing over 30 years of claims management experience, in both standard and non-standard lines. Prior to joining our company, he served as Senior Vice President and Chief Claims Officer at Infinity Insurance, and held prior positions with Great American Insurance Company as Vice President of Claims, Northeast Operations.

Tony earned a bachelor’s degree in Finance from Central Connecticut State University.

Anne Ostholthoff
Anne Ostholthoff

Vice President, Corporate Social Responsibility

Anne Ostholthoff

Since joining the company in 2017, Anne has served as an officer in the company in a variety of roles. Currently, she is responsible for the strategic direction and management of the AssuranceAmerica brand experience, directing company’s B2B marketing. She also oversees all community relations, philanthropic activities, and the communications of the organization.

Prior to joining AssuranceAmerica, Anne took a dual approach to her career pursuing both business and the arts. She began in Account Service with world-class advertising agencies such as BBDO working with brands such as Frito Lay, and Tylenol. She launched a non-profit, Creating Pride Inc, focused on educators bringing creativity into the classroom and students creating artworks delivered to executive offices. Anne also founded, produced, and hosted a web-show and owned her own art gallery located in Atlanta.

Anne earned a Bachelor of Science in Urban Life & Communications from Georgia State University, a Master of Science in Advertising from The Medill School of Journalism at Northwestern University and a Master of Fine Arts in Painting from The School of Visual Arts. Since 2016, Anne participates as an active member of the AssuranceAmerica Board of Directors.

Ralph Gravelle

Ralph serves as our Chief Information Officer with responsibility for all aspects of Information Technology for the company.  Ralph’s focus is on developing a state-of-the-art Information Technology department that is delivering best in class solutions.  To that end, Ralph is leading a strategy of moving us to the cloud, developing a robust data capability, and implementing a mobile-first approach to business.

Ralph joined AssuranceAmerica in 2019 with over 30 years’ experience in the insurance field, most recently as the CIO of Infinity Insurance Company.  With a long track record of success across all facets of information technology and a strong focus on business success, Ralph brings an innovative mindset to the organization.

Ralph attended Auburn University and Herzing College.

Nicole Ashe

Nicole serves as Chief People Officer, responsible for the Human Capital Management, Inclusivity, Diversity and Equity and overall operations of the Human Resources Department.

Nicole brings nearly 20 years of management experience to AssuranceAmerica, having helped large enterprises set the direction for their Learning and Development initiatives, as well as oversee all standard Human Resource functions. Prior to joining the company, she served as Executive Vice President and Chief HR Officer for Iconex LLC (an Atlas Holdings Company) and Senior Vice-President of Human resources at Cox Automotive.

Nicole earned her bachelor’s degree in Business Administration and Management from South Carolina State University.

Anthony Smarrelli

Tony serves as Senior Vice President of Claims, he is responsible for claims strategy and overall operations of the claims department.

Tony joined AssuranceAmerica in 2020 bringing over 30 years of claims management experience, in both standard and non-standard lines. Prior to joining our company, he served as Senior Vice President and Chief Claims Officer at Infinity Insurance, and held prior positions with Great American Insurance Company as Vice President of Claims, Northeast Operations.

Tony earned a bachelor’s degree in Finance from Central Connecticut State University.

Anne Ostholthoff

Since joining the company in 2017, Anne has served as an officer in the company in a variety of roles. Currently, she is responsible for the strategic direction and management of the AssuranceAmerica brand experience, directing company’s B2B marketing. She also oversees all community relations, philanthropic activities, and the communications of the organization.

Prior to joining AssuranceAmerica, Anne took a dual approach to her career pursuing both business and the arts. She began in Account Service with world-class advertising agencies such as BBDO working with brands such as Frito Lay, and Tylenol. She launched a non-profit, Creating Pride Inc, focused on educators bringing creativity into the classroom and students creating artworks delivered to executive offices. Anne also founded, produced, and hosted a web-show and owned her own art gallery located in Atlanta.

Anne earned a Bachelor of Science in Urban Life & Communications from Georgia State University, a Master of Science in Advertising from The Medill School of Journalism at Northwestern University and a Master of Fine Arts in Painting from The School of Visual Arts. Since 2016, Anne participates as an active member of the AssuranceAmerica Board of Directors.

Elijah Haughawout
Elijah Haughawout

Vice President, Product

Elijah Haughawout

Elijah Haughawout serves as our Vice President of Product responsible for our overall innovation, development and management of products across AssuranceAmerica. Elijah joined our company in 2021, bringing over 20 years of product management experience, across both direct and agency channels. He was most recently a Senior Product Manager with National General Insurance where he managed multiple states for both Direct and Agency channels, growing the Florida business more than 5-fold during his tenure. He started his career as a business and pricing analyst with Progressive Insurance while also serving as subject matter expert for hurricane CAT modeling.

Elijah has been an active member of the CFA Society of Atlanta since obtaining his CFA designation in 2013. Elijah earned his bachelor’s degree from Kent State University and his Master’s in Business Administration from Case Western Reserve in Cleveland, Ohio.

Jeremy Blumenfeld
Jeremy Blumenfeld

Vice President, Information Technology

Jeremy Blumenfeld

Jeremy joined the company in 2021 and serves as Vice President of Information Technology, responsible for application development and data management.

Prior to AssuranceAmerica, Jeremy spent 22 years at The Hartford Financial Services Group, holding various technology positions. Most recently, he was the Director of Enterprise Applications and Digital Solutions.

Jeremy received a Bachelor of Arts degree in Political Science from Vanderbilt University and a Project Management Certificate from the George Washington School of Business.

Eric Martinez
Eric Martinez

Associate General Counsel

Eric Martinez

Eric Martinez is Associate General Counsel; he is responsible for managing compliance and all legal affairs of AssuranceAmerica’s operating entities.

Eric joined our company in 2019, from Assurant, where he served as Senior Regulatory Counsel, specializing in insurance compliance, electronic commerce, and privacy matters.

Eric earned bachelor’s degrees in Business Administration and Philosophy from Hanover College and his Juris Doctor degree from Florida International University. Eric is a member of the Florida Bar and a Certified Information Privacy Professional (CIPP).

Elijah Haughawout

Elijah Haughawout serves as our Vice President of Product responsible for our overall innovation, development and management of products across AssuranceAmerica. Elijah joined our company in 2021, bringing over 20 years of product management experience, across both direct and agency channels. He was most recently a Senior Product Manager with National General Insurance where he managed multiple states for both Direct and Agency channels, growing the Florida business more than 5-fold during his tenure. He started his career as a business and pricing analyst with Progressive Insurance while also serving as subject matter expert for hurricane CAT modeling.

Elijah has been an active member of the CFA Society of Atlanta since obtaining his CFA designation in 2013. Elijah earned his bachelor’s degree from Kent State University and his Master’s in Business Administration from Case Western Reserve in Cleveland, Ohio.

Jeremy Blumenfeld

Jeremy joined the company in 2021 and serves as Vice President of Information Technology, responsible for application development and data management.

Prior to AssuranceAmerica, Jeremy spent 22 years at The Hartford Financial Services Group, holding various technology positions. Most recently, he was the Director of Enterprise Applications and Digital Solutions.

Jeremy received a Bachelor of Arts degree in Political Science from Vanderbilt University and a Project Management Certificate from the George Washington School of Business.

Eric Martinez

Eric Martinez is Associate General Counsel; he is responsible for managing compliance and all legal affairs of AssuranceAmerica’s operating entities.

Eric joined our company in 2019, from Assurant, where he served as Senior Regulatory Counsel, specializing in insurance compliance, electronic commerce, and privacy matters.

Eric earned bachelor’s degrees in Business Administration and Philosophy from Hanover College and his Juris Doctor degree from Florida International University. Eric is a member of the Florida Bar and a Certified Information Privacy Professional (CIPP).