A Tulsa Legend: Rich & Cartmill, Inc.
Just when Tulsa realized that its future lay in the nearby oilfields, two enterprising young men, John R. Cartmill and Irwin D. Rich staked their future on providing protection of the buildings and contents of thriving new businesses in Tulsa. Little did these two entrepreneurs realize their names would live on as an icon for independent insurance long after they were gone. As the firm grew in coverage and types of clientele, so too its staff out-grew four other locations, until today its 40-plus shareholders and associates are taking care of clients' needs throughout Oklahoma and its bordering states: Missouri, Kansas, and, Colorado. The mission of Rich & Cartmill, Inc. today remains much as it did more than three-quarters of a century ago: to provide the best coverage possible at the least cost to our clients.
Why An Independent Agent?
Do you think it doesn't really make any difference where you buy insurance? This misconception could be costing you money, service and protection. Buying insurance isn't like buying groceries or clothing. Insurance is an important safeguard for your family, your home, your car or your business. Make your decision carefully!
Companies we represent
Not just one but many recognized insurance companies are among more than 30 independent insurers represented by Rich & Cartmill, Inc. With a variety of insurers offering any number of coverage programs, you have available an unlimited combination of the best alternatives to meet your specific needs. In addition, we can assist you in developing a workers' compensation program for your business or in becoming qualified as self-insured. Our Employee Benefits' department can also provide your business with individual and group life and health insurance coverage, pension and profit-sharing plans, and even estate planning.
Some of the many companies we represent include:
- American Fidelity Insurance Company
- American International Group (AIG)
- Bituminous Insurance Company
- Central Insurance Company
- CNA
- Commercial Union
- Chubb Group of Companies
- EMC Ins. Group
- Fireman's Fund
- General Accident
- Grain Dealers
- Hanover
- Hartford Insurance Group
- Hartford Steam Boiler
- Medical Protective
- Mid-Continent Casualty Company
- NAICO
- Ohio Casualty Group
- Physicians Liability Insurance Company
- Reliance Insurance Group
- The Republic Group
- SAFECO
- State Auto Insurance Company
- St. Paul Travelers
- Union Standard
- US Fidelity & Guaranty Life
- Wausau
- Zurich North America
Professional Designations
Practically every shareholder and associate has achieved or is in the process of completing requirements for professional accreditation. We strive for excellence and the initials after our names signify many hours of independent study and hard work. It's your guarantee that comes only with extra effort.
The most recognized certification programs that professional insurance agents may acquire include:
- CPCU – Chartered Property Casualty Underwriter. The highest designation an individual can achieve in the property and casualty insurance industry. Requires 30 hours of intensive examinations and more than 300 hours of classroom training in accounting, finance, economics, management and business law, as well as insurance and risk management. Equivalent of master's degree, usually requiring a minimum of five years to complete. Retaining designation requires continued adherence to high ethical standards.
- CLU – Chartered Life Underwriter. The highest designation an individual can achieve in the areas of life and health insurance, pension and profit sharing, taxation, estate planning and employee benefits. Requires 30 hours of examinations and classroom training (equivalent to CPCU). Also usually requires a minimum of five years to complete.
- ARM – Associate in Risk Management. A post-CPCU designation requiring passage of nine hours of special examinations in alternate methods of handling risk.
- CIC – Certified Insurance Counselor. Awarded upon completion of five two-hour examinations of a candidate's knowledge of commercial and personal insurance lines and agency management. Retaining designation requires annual attendance at seminars and refresher courses.
- ChFC – Chartered Financial Consultant. Awarded to CLU designees who successfully complete additional financial planning courses and examinations. Must also meet stringent experience and ethical standards.
- AFSB – Associate in Fidelity and Surety Bonding. Awarded upon the completion of five national examinations, each consisting of a three-hour exam. The program provides a thorough understanding of the relationship between fidelity and surety bonding, as well as background in accounting and financial analysis.
