CPro Associates
Michael Hardin has a diverse work experience in the insurance industry. Michael started their career at The Combined Group in 1993, where they worked as a Supervisor until 1996. From 1996 to 1999, they served as a Special Projects Supervisor, organizing and modifying procedures and software systems. In 1999, they became the President of the failing Brokerage Department and successfully brought it into profitability before selling it to a competitor in 2001.
After that, Hardin joined The Combined Group again in 2003 as the Marketing Supervisor, responsible for organizing agent visits and conventions. In 2005, they were promoted to EVP: Operations and Brokerage, where they reorganized the binding authority and brokerage departments, reducing headcount by 22% and increasing premiums by 12%. Michael continued in this role until 2012.
In 2012, Hardin became the President of CPro Associates, where they handle all tasks that are not handled by anyone else. Under their leadership, the company achieved a new one-day premium record of $5,924,087.
Overall, Hardin has a demonstrated ability to reorganize and improve departments, achieving profitability and success in challenging situations.
Michael Hardin attended the University of North Texas from 1989 to 1993, where they pursued a degree in Business Management with a focus on Insurance. Additionally, they attended the episocal school of dallas; however, no specific details regarding their degree or field of study are provided.
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CPro Associates
CPro Associates is an Insurance Wholesale Broker with their only emphasis being on Workers' Compensation. and Occupational Injury. Focusing on the needs of our agents and their clients, CPro has redefined how Wholesalers can help their agents win business for the success of the insured, the agent and the carrier. With over 48 years of experience in the Workers Comp and Occupational Injury industry our mission is to assist you in placing your complex workers compensation risk through innovative solutions and world class carriers. We are the largest Wholesaler writer in the US of multi-year WC risks. We are always on the lookout for quality agent partners. Our proven marketing programs and dedicated staff will help you grow your business, and be assured that we never sell direct. SPECIALIZATION Transportation ● Construction ● Healthcare ● Manufacturing ● Service ● Retail/Wholesale ● Oil & Gas Contractors ● Property Management ● Contractors Middle Market Program: $25K minimum. Provides for those accounts that do not fit on-line systems due to size, class, multi-state exposure or Xmod. Large Workers Compensation: $250k minimum premium • Loss Sensitive Program o 3 year program o Not a Retro o No LOC or Deductibles EVER AGAIN o Profit Sharing: Reduced premium next month, not years after, for good loss experience o 50 states o A Rated Carriers o Bound business with Xmod as low as .65 and as high as 2.25 o We build the plan with you and help present the program to your insured. • RTW Insurance Programs o For accounts with Large Xmods that are trying to get a handle on claims. • Large Regional and SuperRegional carriers. o Different than yours: No Hartfords, Travelers or Liberty. Carriers we know like and trust. Michael Hardin, President mhardin@cproassociates.com David Cauble dcauble@cproassociates.com Brook Sarratt bsarratt@cproassociates.com www.cproassociates.com