Tammy started in the insurance industry in 1980. She began as a Commercial Lines policy rater and then Underwriter for Fireman’s Fund New Car Dealer program for Fireman’s Fund in California. After leaving Fireman’s Fund after 8 years to move to Arizona, she attended college for marketing while working as office manager for a small independent insurance agency. Tammy left after it was sold to work for Lasher-Cowie Agency, the largest independent agency in AZ, as an Account Executive for their Special Accounts Division. Lasher-Cowie then sold to HRH, and Tammy continued as a Producer specializing in transportation risks, lawyers professional, property, bonds and the hospitality market. She left HRH in 1990 for a direct sales Producer position with Empire Fire & Marine (Zurich Programs) in a new division specializing in auto rental and dealer business. She was top producer for 10 out of the 11 years; where she took a promotion to SW Regional Sales Manager, in addition to her responsibly as Producer for her territory. Tammy was promoted to Vice President & National Sales Manager. Her duties included managing all 45 direct sales producers, overseeing retail agents, managing 7 regional remote offices, maintaining her book of business, developing underwriting guidelines, analyzing loss data, and maintaining/ writing new national and large accounts. In addition, she worked directly with the CEO of Empire and did CEO presentations across the US for other Zurich units, Zurich of Canada, and for large national brokers. Her responsibilities included budgeting for Empire, overseeing profitability and production of all rental and dealer programs, rolling out new programs which included Supplemental Liability, Renters Protection Insurance, Recreational Vehicle Rental and Dealerships, and Equipment Rental and overseeing the independent auto dealer programs. She was named Producer of the year 8 years, and won Producer of the Millennium in 2000. She produced and maintained some of the largest franchise and independent RV and auto rental companies in the US and Canada. In 1991, Tammy resigned to start a new agency with her husband and three other investors called Sonoran National Insurance Group. Tammy continues to be very involved in local and national vehicle rental associations, serving on the board of several for past 10 years, and continues to be a speaker at various conventions, trade shows, and franchise meetings. Tammy is President of Sonoran, and she is responsible for broker relationships, large and national accounts, and oversees agency operations and profitability.