Founded in 2001, O&M is an innovative insurance service organization dedicated exclusively to serving the needs of the private club industry. We have developed Initiation Fee Insurance as a means of providing Relocation Refundability™ of initiation fees and assessments to members via their clubs. Protected by Patent No. 7,395,218 B2, this is an insurance product and refund system so unique, it is changing the way private clubs sell memberships, while protecting their initiation fee income.

Fonda A. Hereford - Managing Member: 17 years' insurance underwriting, sales and product development experience. Fonda handles individual club contact.

Stephen J. Hall - Managing Member: 30 years' insurance sales and agency ownership experience. Steve is responsible for corporate and/or developer-owned club contact.

Owners & Members National Insurance Services, LLC
11973 Westline Industrial Drive, Suite 200
St. Louis, MO 63146
(314) 275-7211 Office
(866) 281-2477 Toll Free
(314) 453-7555 Fax
info@ownersmembers.com

	Chubb Group of Insurance Companies Chubb has been providing property and casualty insurance for individuals and businesses for more than 120 years. Since its founding, Chubb has built a reputation for financial strength; a fast, fair approach to paying claims; and, responsive insurance solutions for its customers. Chubb consistently earns high ratings for financial stability from A.M. Best, Moody's and Standard & Poor's - all leading evaluators of insurance companies.
	National Club Association This national organization represents the business, legal and policy interests of private clubs and their officers, directors and general managers. The NCA endorses O&M and the Initiation Fee Insurance program for private clubs of all types.
	Your Insurance Agent O&M works with local agents to distribute Initiation Fee Insurance. The program is filed in most states. Download O&M's PowerPoint presentation here