September 1, 2025 • 27 mins
With over 30 years of experience in the insurance industry, John
Tribble has developed a broad and dynamic skill set. His expertise
spans strategic thinking, financial acumen, communications,
business development, governance, risk management, and
cultivating a strong organizational culture. Additionally, he excels
in employee engagement, navigating highly regulated industries,
and executing effective go-to-market strategies.
John plays an integral role in OBLIC’s leadership, actively
participating in Board meetings and serving on the audit,
executive, finance, and investment committees. His commitment
to service extends beyond his corporate responsibilities, with
involvement in non-profit board leadership and currently serves
on the advisory board of TLAB Global Accelerated Learning
Centers.
Tribble has developed a broad and dynamic skill set. His expertise
spans strategic thinking, financial acumen, communications,
business development, governance, risk management, and
cultivating a strong organizational culture. Additionally, he excels
in employee engagement, navigating highly regulated industries,
and executing effective go-to-market strategies.
John plays an integral role in OBLIC’s leadership, actively
participating in Board meetings and serving on the audit,
executive, finance, and investment committees. His commitment
to service extends beyond his corporate responsibilities, with
involvement in non-profit board leadership and currently serves
on the advisory board of TLAB Global Accelerated Learning
Centers.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Columbus and Central Ohio have a rich history of companies
being headquartered here, everything from technology, manufacturing, retail, insurance, and more.
But what about the leaders behind these companies? What makes
them tick? How do they get their start? This is
where you get to meet the captain of the ship.
Welcome to CEOs you should know At iHeartMedia Columbus podcast,
John Drivele is with us. So, who's the president and
(00:23):
CEO of the Ohio bar liability insurance company Oblick as
he said, acronym for short.
Speaker 2 (00:30):
John.
Speaker 1 (00:30):
Let's talk about your journey a little bit. We're born raised.
Where did you grow up?
Speaker 2 (00:35):
I grew up in White Marsh, Maryland, which is just
about fifteen miles north of.
Speaker 3 (00:39):
Baltimore, Maryland.
Speaker 2 (00:40):
Yeah, and I was born in the seventies, so I've
got a little bit of a runway under me now.
Speaker 3 (00:48):
I still got a ways to go, though.
Speaker 1 (00:49):
Hey you look good, mister Stop. That's great. So, and
you said you've been in insurance for over thirty years,
when you know, would parents insurance at all? What got
you into it?
Speaker 2 (01:06):
Well, you know, I was at Liberty University for undergrad
and my junior year I realized that I was going
to have to report back to my parents that I
was looking for a job, you know, after I graduated.
So there's a large company that all of us know about,
Nationwide Insurance, that's right here in Columbus. And they had
(01:26):
one of their HR managers who's still in my life
today as a mentor, Rich Ganderella. He was at our college,
at our university, and he's the one that piqued my
interest about insurance. And actually he served as one of
my references for the job that I hold today at Oblick.
And so it's amazing I met him when I was
probably nineteen or twenty and thirty plus years later, we're
(01:52):
still in touch. In fact, we're going to get together
for lunch this summer.
Speaker 1 (01:55):
Wow. So right after college you ventured in it, so
you started working looking for Nationwide right away after college or.
Speaker 3 (02:02):
After grad school.
Speaker 2 (02:03):
After grad school, I went to grad school University of Baltimore,
got my MBA, and you know, soon after that, actually
Rich Ganderella was instrumental in getting me an entry level
job back then. And there's a number of folks right
here in Columbus that are still in my life as
mentors that I can trace my ties back to the
(02:25):
mid nineties when I first met them.
Speaker 1 (02:27):
Yeah, what what's your first job at Nationwide? What did
you do?
Speaker 3 (02:32):
Well?
Speaker 2 (02:32):
The actual first job was I was an unpaid intern,
and so you know there's that was a real sales
job to get me to come aboard. But they convinced
me and I came in unpaid. But after grad school,
I was an entry level claim rep, a telephone claim adjuster,
and I had a great career at Nationwide. Moved to
(02:53):
several different states. I was in Maryland, Connecticut, Pennsylvania, Virginia.
In fact, you know the count now is I'm up
to ten states that I've lived in. Wow, And most
of it's been work related. So but the best state
that I've lived in is Ohio.
Speaker 1 (03:13):
Great answer, John, great answer. So when first out of school,
when you started getting that, you know, the paid job,
were you still based in Maryland at the time. I
know you said you moved around.
Speaker 2 (03:25):
I was based in Maryland. I started in the Annapolis
office for Nationwide Beautiful City, Yeah, Riva Road office. I
think there's probably four or five hundred employees there, and
within three months I was promoted and I moved to Baltimore,
you know the office location, and then from there to
(03:46):
Delaware and on and on.
Speaker 1 (03:48):
Yeah, when did you finally arrive here in Ohio?
Speaker 3 (03:52):
June tenth, twenty twenty four. Wow, so just celebrated a
year nursey job to be here.
Speaker 1 (04:01):
Oh my goodness. So yeah, you're brand new. Oh, there's
so much to see him do. After the podcast, we'll
we'll have to catch up on all the things. I'm
sure other people have told you. Are you a buck
eye yet?
Speaker 3 (04:14):
I am? When I need to be.
Speaker 2 (04:17):
I could do that cheer, the oh oh I oh
there you go see.
Speaker 3 (04:20):
I could fill in the blanks for you.
Speaker 1 (04:24):
So did you know about any of that before you
ventured into clubs?
Speaker 2 (04:29):
I did because working for Nationwide, even when I was
in Connecticut. With Nationwide, you could tell when the folks
in Columbus were having a bad day.
Speaker 3 (04:38):
You just look at the box stores.
Speaker 2 (04:42):
If Ohio State lost, there's some long you know, long faces, it's.
Speaker 1 (04:47):
Gonna be a tough Monday.
Speaker 2 (04:48):
Yeah, and I'll tell you something coming here. On the
plane one day, the pilot got on the speaker and
he did the cheer, and everybody followed him. He did
the oh and wow, this is unique. It's all good though,
It's all good.
Speaker 1 (05:03):
So as you celebrate your year anniversary, which I didn't
know about it until just now. That's great. By the way,
what do you think of Columbus? What do you think
of central Ohio and just a year of being here.
Speaker 2 (05:16):
I think there's some real possibilities here. I mean, it's
a melting pot for a lot of people. There's a
lot of industry here, and I would say that it's
an undiscovered gym for a lot of folks. Because the Midwest,
I think it's, you know, unfairly characterized. Sometimes you know,
either it's the weather or it's the people or whatever.
But until you've actually been somewhere and seen it for yourself,
(05:40):
I think that others should withhold judgment because they'll probably
have a totally different perspective once they get here.
Speaker 1 (05:46):
Yeah. I tell everyone that, especially I'm originally from Minnesota,
but I tell people all the time that we're born
and raised here and grew up here. And maybe we'll
be talking negative or oh Columbus are Ohio? You know?
Speaker 3 (06:00):
Or the weather.
Speaker 1 (06:01):
I'm like, hey, well, go travel a little bit, go
travel and there's some great things to see out there.
There's some great things to see, do and learn. But
you travel travel a little bit, learn about other places,
and I promise you you will come back and you
will have a better appreciation of here.
Speaker 2 (06:18):
I think it makes you appreciate a lot if you've
lived in a lot of different states, because you know,
when it's ninety five or ninety eight degrees here.
Speaker 3 (06:25):
I remember when I lived near Dallas, Texas.
Speaker 2 (06:27):
Oh, it'd be like one hundred and ten, one hundred
and eight. You know, I'd be out cutting grass and
all that sort of things. In ninety eight's not so bad, Yeah, exactly.
Speaker 1 (06:38):
So John, a little bit more about your career. Fast
forward a little bit. When did you When did you
get into the area of bar and attorney liability insurance?
Speaker 3 (06:51):
That was last year.
Speaker 2 (06:52):
So the board and those that were interviewing me elected
to hire somebody that was a non lawyer myself who
understood sales and distribution as well as underwriting and claims,
et cetera.
Speaker 1 (07:06):
Can I ask John, is before you came along, was
it normally someone who wasn't attorney? Then normally the involved or.
Speaker 2 (07:14):
I believe so the last the last CEO was an attorney, okay,
And they hired somebody that was myself that was really
focused on people as well as driving performance. But we
get results through people. And so I told the board
when I first got here that, you know, for the
first few months, I was going to focus on getting
(07:34):
to know the employees. And once you know, we were
all aligned and I could win the hearts and minds
of the employees, then we started talking about some other
things that really have entered to the benefit of both
the company, the employees and the customers.
Speaker 1 (07:49):
Yeah, yeah, John, the previous job you had before you
ventured here, what were you doing? Where were you at?
Speaker 2 (07:56):
So? I was at Church Mutual Insurance Company, and I
had a number of different jobs, but the last one
I was chief diversity officer for the second time. So
I was there for probably a year in that role,
and then before that, I was chief administrative officer at
the subsidiary that they had, and then a number of
other operations types, probably five or six roles in eight
(08:17):
and a half years.
Speaker 3 (08:18):
Okay, well it was there.
Speaker 1 (08:20):
So then you land this job, this new gig, and
now this is just someone like me looking into this.
Correct me if I'm wrong. This seems like a whole
new terrain versus what you've done in the past.
Speaker 2 (08:33):
Right, In some ways, it was that the chief administrative
officer role though, was very similar, except it was a
larger company. When I was a chief administrative officer at
CM region of subsidiary of Church Mutual, we were about
one hundred million, hundred million plus. There a lot more employees,
So I understood the processes. I just wasn't as familiar
(08:57):
with the lawyer's professional liability coverage. But I had worked
in professional lines before. And you can even cycle back further.
When I was with Liberty Mutual, I was in heavy
commercial there in Texas and had seven or eight states
that reported to me from.
Speaker 3 (09:12):
A claim standpoint.
Speaker 2 (09:14):
And then you know some other roles global claim leader
at their Hurtz Corporation. So there's a lot of similar
You know, once you get to a certain level, you
understand that if you can work with people and they
understand the business, it's all about getting them motivated and
seeing the purpose why we're here, why we exist, and
(09:35):
so OBOOK has a strong purpose. You know that the
Ohio State Bar Association formed the company because there was
a lot of destabilization going on, companies pulling out of
the market. This is back in the late seventies when
I was you know, seven or eight years old, and
so Oblock has stood the test of time and we
(09:56):
provided market stability in addition to that where a leader
a number of different spaces. Not only market share, but
our loss prevention services second to none, are claims department
at second to none. And I'll tell you that our
sales effort, we're really churning through a lot right now
and we've seen a remarkable increase, probably thirty five forty
(10:18):
percent higher this year at the midyear point than we
were last year.
Speaker 1 (10:22):
John, could you give us some examples of what Oblick
does as far as the coverage and the specific coverages
that you carry for attorneys.
Speaker 2 (10:33):
Well, we carry the line that we write in the
marketplace is the lawyer's professional liability coverage. And we have
limits that started one hundred and three hundred, which is
relatively small, but we go up to twenty million. We
have policies for judges and magistrates.
Speaker 1 (10:48):
Oh wow, I didn't judges too.
Speaker 2 (10:51):
Those are smaller policies, but again it's it's all things
in terms of the lawyer's professional liability or the e
no coverage.
Speaker 1 (11:00):
Could we start with sorry, I'm just so I'm fascinated
by this way. Let's start with judges. Why would a
judge want to have coverage? What what could happen?
Speaker 2 (11:08):
Well, it's the same thing that you know when you
think about the LPL coverage. Everybody has a certain amount
of risks that are involved in their job. I mean
there's there's risks in what you do, and I'm sure
there's there's some insurance coverage that iHeartMedia provides that you
may or may not even be aware of. Yeah, and
so again it's all about that peace of mind is
(11:31):
once you educate the folks that are doing jobs to say,
what if this happened, do you want your personal assets
to be at risk? You know, are there other things
that may be You know, as a trusted advisor, as
a salesperson, I can point out to them to say
that this is real stuff. Litigation happens. Lawsuits are filed
every day. Even if you don't know that you're exposed,
(11:53):
you could be hit with a lawsuit. And so you know,
we've had to educate and inform not just the judges
and registrates, but also the there's a number of attorneys
that you know, when they look at the cost of
the coverage or other factors, they may decide to as
we say, go bear and not have insurance coverage. But
once we explain to them the risks.
Speaker 1 (12:15):
John, is this a rare thing to have a company
in the business of insurance coverage of attorneys? Are there?
Are there many of you out there? Really?
Speaker 2 (12:29):
There's a number of what we we have what we
call sister companies across the US and UH. And then
then you have other carriers, some of the larger carriers
and some of the smaller ones that will write the
LPO line. But there's none of them that really focus
solely on lawyers and protecting their clients like Oblick does,
(12:52):
at least in the state of Ohio. Then in other
states there are the like I said, the bar related
insurance carriers.
Speaker 1 (12:57):
Is John, it sounds to me if I'm wrong that
Oblick is it just a blanket coverage? You know how
like with you have home insurance, auto, UH, you know health?
Is Is it more of a blanket insurance coverage with
Oblick with attorneys or are there any real specific ones
(13:18):
that they can get.
Speaker 2 (13:20):
When you say blanket there there there's an opportunity for
the law firm to customize the coverage. Okay, in terms
of the limits that they need in terms of whether
or not the claim expenses or litigation expenses or paid
inside the limits or outside. So inside, So if you're
if you have a let's just say you have a
(13:41):
five million dollar policy, let's just use a round number.
And if the the claims are paid inside that, well,
that means if I have a half million in claims expenses,
that comes right out of that that five million dollar coverage.
If it's outside, you still have the five million, but
your expensers are paid outside the limits. So there's and
(14:04):
obviously there's price differentials when you with the choices that
you make, and so it's it's very much you know,
an opportunity for the law firm along with the salesperson
they're broker there.
Speaker 3 (14:15):
You know, we have the three channels.
Speaker 2 (14:17):
We have the broke external broker channel, which the broker
acts like the insurance intermediary. They have contracts or appointments
with various carriers Oblick and other carriers and then they
work with their X y Z law firm to decide
which carrier is best for them. And so you know,
(14:37):
we appeal to the brokers differently than we would to
the direct customer just coming in the door because every
channel has different needs and the way to support those channels.
And then we have a captive agency that is an
independent agency that Oblick owns that acts the same way
as any external independent broker, but they only have one market,
(15:01):
the captive agency. Their market is Oblick. And we've seen
a significant increase in sales, you know, across the board
in terms of our direct customers this year and our
captive agency, and now we're seeing the beginnings of what
we believe will be some traction with our external brokers
as well.
Speaker 1 (15:19):
John, you talked about how litigation there's more of it
these days today than ever before. Does that mean, just
kind of doing the math that you premiums are also
going up. If there's more litigation, probably more payouts in
some retrospect It depends.
Speaker 2 (15:39):
I mean, there are some areas of the state where
we've seen that severity or the amount that we pay
out and claims has been higher, and so we're having
to take, you know, a look at a hard look
at that from a rape perspective. The fact that litigation
is going up across the board doesn't always translate into
(16:00):
rate increases, because if you have a really good staff
that understands the jurisdictions, the venues, the laws, et cetera.
That mitigates some of that you know that activity. The
other piece of that is from a loss prevention standpoint,
we have the what we have the hotline calls that
(16:20):
that attorneys can make to say, hey, I'm experiencing this
problem here or I've missed a deadline, I've done this,
I've done that. They can get on the go expertise
from Oblick to say this is what you should consider doing.
And sometimes we'll farm that out to an external attorney
as well to help them. So some of these cases
(16:43):
are actually stopped before a real issue develops. And so
you know, the fact that there's litigation doesn't always translate
into a payout.
Speaker 1 (16:53):
John, Can I take regular insurance an example from regular
insurance again in your daily life, Let's say someone continues
to speed, they get tickets, they get more points. Eventually
the insurance company just says he you're too expensive, you're
too much of a liability, We're dropping you. Does OBLIC
(17:14):
consider doing the same thing? Has OBLIC had to do
that with certain attorneys.
Speaker 3 (17:18):
That comes up?
Speaker 2 (17:19):
I mean, lost experience is a very you know, real
thing that we consider we are a for profit entity,
and so in order to provide coverage for the sixty
three or sixty four hundred attorneys, we have to make
sure that we're going to be in business. So you know,
if we have a bad risk, meaning a law firm
(17:43):
that consistently has claims or missing deadlines they're feeling in
them experts and on and on, well that's not a
risk that long term is going to make sense for
us to stay on. Yeah, and so we have to
make prudent decisions because we have, you know, not just
one account. That one account that's you know, given us
some headaches, but we have all these other law firms
(18:06):
that depend on us as well as you know, we've
got employees that you know, they make their living and
they provide for their families based on the long term
profitability of OBLIK and you know, knock on wood or
whatever this substances that we're you know, resting our arms on.
For thirty one out of thirty four years, we've made
(18:28):
what's called an underwriting profit. Okay, so you know, with
the rates that we charge, we're paying out less and
claims and expenses for thirty one out of thirty four years,
and it's actually been thirteen years in a row as well,
and we expect this year to be the fourteenth.
Speaker 1 (18:46):
Well, congratulations.
Speaker 3 (18:47):
So we plan to be here.
Speaker 2 (18:49):
We've been here for forty six years. I believe it'll
be in September, and we plan to be here for
the foreseeable future.
Speaker 1 (18:56):
Absolutely, John, I know we were going to wrap up here.
But is does Oblick have like any other insurance company
state farm Nationwide? Is there a formula that you also
use with Oblick when it comes to your clients to
keep them to are they costing us too much? How
(19:17):
does how does that work with Oblick.
Speaker 2 (19:19):
In terms of you're talking about underwriting, I believe, yeah,
So we evaluate the accounts. You know, we've got top
notch underwriters. The underwriting leader, Angie Poe, has been leading
underwriting for a number of years and she's been with
the company for over thirty some years. Wow, you know,
(19:40):
And I'm just giving you an example. What we do
is we have the knowledge of the business as well
as the Ohio operation. You know, the states, the counties
that make up the states, the venues. We understand, you
know what judges and which counties are going to be
probably be more problematic and so we can use our
knowledge or wisdom, our skills and ability to evaluate accounts
(20:04):
and you'll find that we're not always the cheapest, but
we're competitive from a number of different standpoints. And uh,
and that's why we're seeing the growth today. It's a
true a shout out in terms of the legacy that
we've built, but also the current employees that drive us
forward with their knowledge and ability and uh, they are
(20:25):
just super excited to get the job done.
Speaker 3 (20:28):
Yeah.
Speaker 2 (20:28):
Uh, it's it's like I started out by saying, we
we filled the voids.
Speaker 3 (20:32):
We have a purpose. We stabilize the market and the state.
Speaker 2 (20:36):
And I found that at companies that are purpose driven,
you have you know, employees that just step up. They'll
they'll work across you know, departmental lines just to make
it happen. And uh, I see that coming out every day.
It's it's truly, it's like a masterpiece that's being painted
(20:57):
each day. You know, underwriting, working with claims, loss prevention,
helping out with with marketing, you know, claims, helping out
with reinsurance. It really is a symphony that's just in
progress all the time.
Speaker 1 (21:12):
John, just a couple more quick questions with regards to it,
because I think you you noted this earlier. But at
least in the state of Ohio, or maybe it's nationwide
now with the Supreme Court, does every lawyer have to
have some type of malpractice insurance?
Speaker 2 (21:26):
Now, you know, I'm not familiar with the other states.
I'm I'm new to this industry a year in, but
I know that it's mandated at least from a reporting standpoint.
If if the attorneys don't have that coverage, they have
to go through some continuing legal education classes, et cetera.
I'm not familiar with, you know, the other states. Yeah,
(21:49):
but definitely Ohio. Definitely, definitely Ohio.
Speaker 1 (21:52):
So let's say I just graduate from OSU Law, Capital Law.
I hang up the little sign you know a boxer, Yeah,
the Shingo Boxer's law firm. Can I ask you, what
what does it cost my little law firm to have
your coverage?
Speaker 2 (22:10):
What's the starting It depends on the areas of practice.
I mean some areas are going to be more susceptible
to risks than others.
Speaker 1 (22:19):
Okay, so I didn't even think about that. So you
take that into consideration.
Speaker 2 (22:23):
Well, we really don't turn anybody down as long as
we can get comfortable with the price. But we do
have to look at you know, from a transactional standpoint,
it's not a formula what type of law are you're practicing.
When we look at our experience, you know, what's been
the frequency and frequency meeting, the number of claims that
(22:43):
are reported in those specific areas, what's the severity and
those types of things. But generally speaking, I'll tell you
last year, our average policy was about.
Speaker 3 (22:54):
One thousand dollars.
Speaker 2 (22:55):
Okay, we're seeing that edge up a little bit, not
because of the rate increases this year. It's because we're
writing a few more larger policies now as we're starting
to work with brokers. The external, the insurance intermediary is
we talked about, they control the larger Generally speaking, they
control the larger law firms, meaning that if I'm at
(23:18):
a law firm with fifty lawyers, I probably, in lay
persons terms, I farm out the part of the business
that deals with securing insurance for my law firm. So
they work with a broker, and so the brokers can
help us achieve some of the growth and profit that
(23:40):
we have not seen in recent years. The growth piece
and so It really depends. I mean, and I'm not
trying to be like a politician or either no no
for me to say I can tell you what the
average policy has costs, but I can't tage specifics because
if I'm a new lawyer and I'm in an area
(24:00):
of practice, you know, intellectual property, real estates, and trust,
We've got to look at each of those areas and
determine what's the right price.
Speaker 1 (24:08):
John, Outside of the number of attorneys that are maybe
at a law firm, which I realized can raise the price,
is there one type of law a firmal practice that
tends to be more expensive to get insurance for it?
Just out of curiosity?
Speaker 2 (24:25):
You know, we're seeing different that It just really depends.
I mean, I've heard more about the the estates and
the probate area and that sort of thing. But we
also look at, uh, the amount of the number of
attorneys that are based in Ohio versus other states as well.
So some of that could you know, cost us a
(24:47):
little bit more if there's more activity occurring outside of Ohio,
and so jurisdictions and venue really matter, and so it's
there's not a cookie cutter answer for that. It really
depends on what you're doing, you know, the practice of law,
the amount of tenure that your lawyers have. Are they
(25:09):
adhering to what we call the you know, the continuing
legal education. Are they availing themselves to other resources provided
by our loss prevention team, and so on and so forth.
Speaker 1 (25:19):
I've learned so much just from this podcast today, So
such an important piece of advice if you're a client,
if you have an attorney on retainer and you did
know this, or you're looking for an attorney, make sure
they have coverage. Well, John, thank you so much for
your time and being this week's guest on CEOs. You
should Know and I heard Media Columbus podcast. For more
(25:41):
on Oblick. Where can we go?
Speaker 2 (25:43):
You can go to oblic dot com and get the information.
Our website has a full suite of information as well.
But then also you know, we're at various events venues
and different representatives are out there. And I just want
to say it's been an honor and our privilege to
be on your show to get to know you better,
to field the questions to you know, to give some
(26:06):
perspective on what we do at OBLICK and certainly how
we work with our clients and provide that personal touch
and and see the clients growing flourish. At the same time,
we've seen our employees really take a great interest in
making sure that the customers are taken care of.
Speaker 3 (26:23):
Well.
Speaker 1 (26:23):
We appreciate your time. John. By the way, last question
before we go. You've been here a year and now
favorite hangout spot, restaurant, things to do? What do you
like so far?
Speaker 2 (26:34):
Restaurants, I'd say Lindy's has been great up there you go,
been there a couple of times, you know. In terms
of I want to get down to the Rock and
Roll Hall of Fame, I have not been there yet.
Speaker 1 (26:48):
Oh yeah, go up to Cleveland, Yeah yeah, So I'd like.
Speaker 3 (26:50):
To do that as well.
Speaker 2 (26:52):
And then just reconnecting with some of my former, you know,
colleagues and friends from nationwide has been very fulfilling as well.
Speaker 1 (26:59):
If you've been to a Buckeye game yet.
Speaker 2 (27:01):
I've been on a personal tour. We have an entertainment
committee at Oblick and we had a tour with probably
ten or fifteen of us were there, and so we
were in the president's suite.
Speaker 3 (27:15):
We got to actually I raised.
Speaker 2 (27:17):
One of the the employee's kids on the field nearly
pulled a hamstring that day, but it was all in
good fun, so I don't think it was videotape.
Speaker 1 (27:29):
But oh well, that's a bummer.
Speaker 2 (27:31):
John.
Speaker 1 (27:35):
That's great, all right, John Tripple, thanks you so much
for your time, President and CEO of the Ohio bar
liability Insurance Company OBLICK for short, John, takecare. Thanks Boxer
CEOs You Should Know is hosted and produced by Brandon Boxer,
a production of iHeartMedia, Columbus
Columbus and Central Ohio have a rich history of companies
being headquartered here, everything from technology, manufacturing, retail, insurance, and more.
But what about the leaders behind these companies? What makes
them tick? How do they get their start? This is
where you get to meet the captain of the ship.
Welcome to CEOs you should know At iHeartMedia Columbus podcast,
John Drivele is with us. So, who's the president and
(00:23):
CEO of the Ohio bar liability insurance company Oblick as
he said, acronym for short.
Speaker 2 (00:30):
John.
Speaker 1 (00:30):
Let's talk about your journey a little bit. We're born raised.
Where did you grow up?
Speaker 2 (00:35):
I grew up in White Marsh, Maryland, which is just
about fifteen miles north of.
Speaker 3 (00:39):
Baltimore, Maryland.
Speaker 2 (00:40):
Yeah, and I was born in the seventies, so I've
got a little bit of a runway under me now.
Speaker 3 (00:48):
I still got a ways to go, though.
Speaker 1 (00:49):
Hey you look good, mister Stop. That's great. So, and
you said you've been in insurance for over thirty years,
when you know, would parents insurance at all? What got
you into it?
Speaker 2 (01:06):
Well, you know, I was at Liberty University for undergrad
and my junior year I realized that I was going
to have to report back to my parents that I
was looking for a job, you know, after I graduated.
So there's a large company that all of us know about,
Nationwide Insurance, that's right here in Columbus. And they had
(01:26):
one of their HR managers who's still in my life
today as a mentor, Rich Ganderella. He was at our college,
at our university, and he's the one that piqued my
interest about insurance. And actually he served as one of
my references for the job that I hold today at Oblick.
And so it's amazing I met him when I was
probably nineteen or twenty and thirty plus years later, we're
(01:52):
still in touch. In fact, we're going to get together
for lunch this summer.
Speaker 1 (01:55):
Wow. So right after college you ventured in it, so
you started working looking for Nationwide right away after college or.
Speaker 3 (02:02):
After grad school.
Speaker 2 (02:03):
After grad school, I went to grad school University of Baltimore,
got my MBA, and you know, soon after that, actually
Rich Ganderella was instrumental in getting me an entry level
job back then. And there's a number of folks right
here in Columbus that are still in my life as
mentors that I can trace my ties back to the
(02:25):
mid nineties when I first met them.
Speaker 1 (02:27):
Yeah, what what's your first job at Nationwide? What did
you do?
Speaker 3 (02:32):
Well?
Speaker 2 (02:32):
The actual first job was I was an unpaid intern,
and so you know there's that was a real sales
job to get me to come aboard. But they convinced
me and I came in unpaid. But after grad school,
I was an entry level claim rep, a telephone claim adjuster,
and I had a great career at Nationwide. Moved to
(02:53):
several different states. I was in Maryland, Connecticut, Pennsylvania, Virginia.
In fact, you know the count now is I'm up
to ten states that I've lived in. Wow, And most
of it's been work related. So but the best state
that I've lived in is Ohio.
Speaker 1 (03:13):
Great answer, John, great answer. So when first out of school,
when you started getting that, you know, the paid job,
were you still based in Maryland at the time. I
know you said you moved around.
Speaker 2 (03:25):
I was based in Maryland. I started in the Annapolis
office for Nationwide Beautiful City, Yeah, Riva Road office. I
think there's probably four or five hundred employees there, and
within three months I was promoted and I moved to Baltimore,
you know the office location, and then from there to
(03:46):
Delaware and on and on.
Speaker 1 (03:48):
Yeah, when did you finally arrive here in Ohio?
Speaker 3 (03:52):
June tenth, twenty twenty four. Wow, so just celebrated a
year nursey job to be here.
Speaker 1 (04:01):
Oh my goodness. So yeah, you're brand new. Oh, there's
so much to see him do. After the podcast, we'll
we'll have to catch up on all the things. I'm
sure other people have told you. Are you a buck
eye yet?
Speaker 3 (04:14):
I am? When I need to be.
Speaker 2 (04:17):
I could do that cheer, the oh oh I oh
there you go see.
Speaker 3 (04:20):
I could fill in the blanks for you.
Speaker 1 (04:24):
So did you know about any of that before you
ventured into clubs?
Speaker 2 (04:29):
I did because working for Nationwide, even when I was
in Connecticut. With Nationwide, you could tell when the folks
in Columbus were having a bad day.
Speaker 3 (04:38):
You just look at the box stores.
Speaker 2 (04:42):
If Ohio State lost, there's some long you know, long faces, it's.
Speaker 1 (04:47):
Gonna be a tough Monday.
Speaker 2 (04:48):
Yeah, and I'll tell you something coming here. On the
plane one day, the pilot got on the speaker and
he did the cheer, and everybody followed him. He did
the oh and wow, this is unique. It's all good though,
It's all good.
Speaker 1 (05:03):
So as you celebrate your year anniversary, which I didn't
know about it until just now. That's great. By the way,
what do you think of Columbus? What do you think
of central Ohio and just a year of being here.
Speaker 2 (05:16):
I think there's some real possibilities here. I mean, it's
a melting pot for a lot of people. There's a
lot of industry here, and I would say that it's
an undiscovered gym for a lot of folks. Because the Midwest,
I think it's, you know, unfairly characterized. Sometimes you know,
either it's the weather or it's the people or whatever.
But until you've actually been somewhere and seen it for yourself,
(05:40):
I think that others should withhold judgment because they'll probably
have a totally different perspective once they get here.
Speaker 1 (05:46):
Yeah. I tell everyone that, especially I'm originally from Minnesota,
but I tell people all the time that we're born
and raised here and grew up here. And maybe we'll
be talking negative or oh Columbus are Ohio? You know?
Speaker 3 (06:00):
Or the weather.
Speaker 1 (06:01):
I'm like, hey, well, go travel a little bit, go
travel and there's some great things to see out there.
There's some great things to see, do and learn. But
you travel travel a little bit, learn about other places,
and I promise you you will come back and you
will have a better appreciation of here.
Speaker 2 (06:18):
I think it makes you appreciate a lot if you've
lived in a lot of different states, because you know,
when it's ninety five or ninety eight degrees here.
Speaker 3 (06:25):
I remember when I lived near Dallas, Texas.
Speaker 2 (06:27):
Oh, it'd be like one hundred and ten, one hundred
and eight. You know, I'd be out cutting grass and
all that sort of things. In ninety eight's not so bad, Yeah, exactly.
Speaker 1 (06:38):
So John, a little bit more about your career. Fast
forward a little bit. When did you When did you
get into the area of bar and attorney liability insurance?
Speaker 3 (06:51):
That was last year.
Speaker 2 (06:52):
So the board and those that were interviewing me elected
to hire somebody that was a non lawyer myself who
understood sales and distribution as well as underwriting and claims,
et cetera.
Speaker 1 (07:06):
Can I ask John, is before you came along, was
it normally someone who wasn't attorney? Then normally the involved or.
Speaker 2 (07:14):
I believe so the last the last CEO was an attorney, okay,
And they hired somebody that was myself that was really
focused on people as well as driving performance. But we
get results through people. And so I told the board
when I first got here that, you know, for the
first few months, I was going to focus on getting
(07:34):
to know the employees. And once you know, we were
all aligned and I could win the hearts and minds
of the employees, then we started talking about some other
things that really have entered to the benefit of both
the company, the employees and the customers.
Speaker 1 (07:49):
Yeah, yeah, John, the previous job you had before you
ventured here, what were you doing? Where were you at?
Speaker 2 (07:56):
So? I was at Church Mutual Insurance Company, and I
had a number of different jobs, but the last one
I was chief diversity officer for the second time. So
I was there for probably a year in that role,
and then before that, I was chief administrative officer at
the subsidiary that they had, and then a number of
other operations types, probably five or six roles in eight
(08:17):
and a half years.
Speaker 3 (08:18):
Okay, well it was there.
Speaker 1 (08:20):
So then you land this job, this new gig, and
now this is just someone like me looking into this.
Correct me if I'm wrong. This seems like a whole
new terrain versus what you've done in the past.
Speaker 2 (08:33):
Right, In some ways, it was that the chief administrative
officer role though, was very similar, except it was a
larger company. When I was a chief administrative officer at
CM region of subsidiary of Church Mutual, we were about
one hundred million, hundred million plus. There a lot more employees,
So I understood the processes. I just wasn't as familiar
(08:57):
with the lawyer's professional liability coverage. But I had worked
in professional lines before. And you can even cycle back further.
When I was with Liberty Mutual, I was in heavy
commercial there in Texas and had seven or eight states
that reported to me from.
Speaker 3 (09:12):
A claim standpoint.
Speaker 2 (09:14):
And then you know some other roles global claim leader
at their Hurtz Corporation. So there's a lot of similar
You know, once you get to a certain level, you
understand that if you can work with people and they
understand the business, it's all about getting them motivated and
seeing the purpose why we're here, why we exist, and
(09:35):
so OBOOK has a strong purpose. You know that the
Ohio State Bar Association formed the company because there was
a lot of destabilization going on, companies pulling out of
the market. This is back in the late seventies when
I was you know, seven or eight years old, and
so Oblock has stood the test of time and we
(09:56):
provided market stability in addition to that where a leader
a number of different spaces. Not only market share, but
our loss prevention services second to none, are claims department
at second to none. And I'll tell you that our
sales effort, we're really churning through a lot right now
and we've seen a remarkable increase, probably thirty five forty
(10:18):
percent higher this year at the midyear point than we
were last year.
Speaker 1 (10:22):
John, could you give us some examples of what Oblick
does as far as the coverage and the specific coverages
that you carry for attorneys.
Speaker 2 (10:33):
Well, we carry the line that we write in the
marketplace is the lawyer's professional liability coverage. And we have
limits that started one hundred and three hundred, which is
relatively small, but we go up to twenty million. We
have policies for judges and magistrates.
Speaker 1 (10:48):
Oh wow, I didn't judges too.
Speaker 2 (10:51):
Those are smaller policies, but again it's it's all things
in terms of the lawyer's professional liability or the e
no coverage.
Speaker 1 (11:00):
Could we start with sorry, I'm just so I'm fascinated
by this way. Let's start with judges. Why would a
judge want to have coverage? What what could happen?
Speaker 2 (11:08):
Well, it's the same thing that you know when you
think about the LPL coverage. Everybody has a certain amount
of risks that are involved in their job. I mean
there's there's risks in what you do, and I'm sure
there's there's some insurance coverage that iHeartMedia provides that you
may or may not even be aware of. Yeah, and
so again it's all about that peace of mind is
(11:31):
once you educate the folks that are doing jobs to say,
what if this happened, do you want your personal assets
to be at risk? You know, are there other things
that may be You know, as a trusted advisor, as
a salesperson, I can point out to them to say
that this is real stuff. Litigation happens. Lawsuits are filed
every day. Even if you don't know that you're exposed,
(11:53):
you could be hit with a lawsuit. And so you know,
we've had to educate and inform not just the judges
and registrates, but also the there's a number of attorneys
that you know, when they look at the cost of
the coverage or other factors, they may decide to as
we say, go bear and not have insurance coverage. But
once we explain to them the risks.
Speaker 1 (12:15):
John, is this a rare thing to have a company
in the business of insurance coverage of attorneys? Are there?
Are there many of you out there? Really?
Speaker 2 (12:29):
There's a number of what we we have what we
call sister companies across the US and UH. And then
then you have other carriers, some of the larger carriers
and some of the smaller ones that will write the
LPO line. But there's none of them that really focus
solely on lawyers and protecting their clients like Oblick does,
(12:52):
at least in the state of Ohio. Then in other
states there are the like I said, the bar related
insurance carriers.
Speaker 1 (12:57):
Is John, it sounds to me if I'm wrong that
Oblick is it just a blanket coverage? You know how
like with you have home insurance, auto, UH, you know health?
Is Is it more of a blanket insurance coverage with
Oblick with attorneys or are there any real specific ones
(13:18):
that they can get.
Speaker 2 (13:20):
When you say blanket there there there's an opportunity for
the law firm to customize the coverage. Okay, in terms
of the limits that they need in terms of whether
or not the claim expenses or litigation expenses or paid
inside the limits or outside. So inside, So if you're
if you have a let's just say you have a
(13:41):
five million dollar policy, let's just use a round number.
And if the the claims are paid inside that, well,
that means if I have a half million in claims expenses,
that comes right out of that that five million dollar coverage.
If it's outside, you still have the five million, but
your expensers are paid outside the limits. So there's and
(14:04):
obviously there's price differentials when you with the choices that
you make, and so it's it's very much you know,
an opportunity for the law firm along with the salesperson
they're broker there.
Speaker 3 (14:15):
You know, we have the three channels.
Speaker 2 (14:17):
We have the broke external broker channel, which the broker
acts like the insurance intermediary. They have contracts or appointments
with various carriers Oblick and other carriers and then they
work with their X y Z law firm to decide
which carrier is best for them. And so you know,
(14:37):
we appeal to the brokers differently than we would to
the direct customer just coming in the door because every
channel has different needs and the way to support those channels.
And then we have a captive agency that is an
independent agency that Oblick owns that acts the same way
as any external independent broker, but they only have one market,
(15:01):
the captive agency. Their market is Oblick. And we've seen
a significant increase in sales, you know, across the board
in terms of our direct customers this year and our
captive agency, and now we're seeing the beginnings of what
we believe will be some traction with our external brokers
as well.
Speaker 1 (15:19):
John, you talked about how litigation there's more of it
these days today than ever before. Does that mean, just
kind of doing the math that you premiums are also
going up. If there's more litigation, probably more payouts in
some retrospect It depends.
Speaker 2 (15:39):
I mean, there are some areas of the state where
we've seen that severity or the amount that we pay
out and claims has been higher, and so we're having
to take, you know, a look at a hard look
at that from a rape perspective. The fact that litigation
is going up across the board doesn't always translate into
(16:00):
rate increases, because if you have a really good staff
that understands the jurisdictions, the venues, the laws, et cetera.
That mitigates some of that you know that activity. The
other piece of that is from a loss prevention standpoint,
we have the what we have the hotline calls that
(16:20):
that attorneys can make to say, hey, I'm experiencing this
problem here or I've missed a deadline, I've done this,
I've done that. They can get on the go expertise
from Oblick to say this is what you should consider doing.
And sometimes we'll farm that out to an external attorney
as well to help them. So some of these cases
(16:43):
are actually stopped before a real issue develops. And so
you know, the fact that there's litigation doesn't always translate
into a payout.
Speaker 1 (16:53):
John, Can I take regular insurance an example from regular
insurance again in your daily life, Let's say someone continues
to speed, they get tickets, they get more points. Eventually
the insurance company just says he you're too expensive, you're
too much of a liability, We're dropping you. Does OBLIC
(17:14):
consider doing the same thing? Has OBLIC had to do
that with certain attorneys.
Speaker 3 (17:18):
That comes up?
Speaker 2 (17:19):
I mean, lost experience is a very you know, real
thing that we consider we are a for profit entity,
and so in order to provide coverage for the sixty
three or sixty four hundred attorneys, we have to make
sure that we're going to be in business. So you know,
if we have a bad risk, meaning a law firm
(17:43):
that consistently has claims or missing deadlines they're feeling in
them experts and on and on, well that's not a
risk that long term is going to make sense for
us to stay on. Yeah, and so we have to
make prudent decisions because we have, you know, not just
one account. That one account that's you know, given us
some headaches, but we have all these other law firms
(18:06):
that depend on us as well as you know, we've
got employees that you know, they make their living and
they provide for their families based on the long term
profitability of OBLIK and you know, knock on wood or
whatever this substances that we're you know, resting our arms on.
For thirty one out of thirty four years, we've made
(18:28):
what's called an underwriting profit. Okay, so you know, with
the rates that we charge, we're paying out less and
claims and expenses for thirty one out of thirty four years,
and it's actually been thirteen years in a row as well,
and we expect this year to be the fourteenth.
Speaker 1 (18:46):
Well, congratulations.
Speaker 3 (18:47):
So we plan to be here.
Speaker 2 (18:49):
We've been here for forty six years. I believe it'll
be in September, and we plan to be here for
the foreseeable future.
Speaker 1 (18:56):
Absolutely, John, I know we were going to wrap up here.
But is does Oblick have like any other insurance company
state farm Nationwide? Is there a formula that you also
use with Oblick when it comes to your clients to
keep them to are they costing us too much? How
(19:17):
does how does that work with Oblick.
Speaker 2 (19:19):
In terms of you're talking about underwriting, I believe, yeah,
So we evaluate the accounts. You know, we've got top
notch underwriters. The underwriting leader, Angie Poe, has been leading
underwriting for a number of years and she's been with
the company for over thirty some years. Wow, you know,
(19:40):
And I'm just giving you an example. What we do
is we have the knowledge of the business as well
as the Ohio operation. You know, the states, the counties
that make up the states, the venues. We understand, you
know what judges and which counties are going to be
probably be more problematic and so we can use our
knowledge or wisdom, our skills and ability to evaluate accounts
(20:04):
and you'll find that we're not always the cheapest, but
we're competitive from a number of different standpoints. And uh,
and that's why we're seeing the growth today. It's a
true a shout out in terms of the legacy that
we've built, but also the current employees that drive us
forward with their knowledge and ability and uh, they are
(20:25):
just super excited to get the job done.
Speaker 3 (20:28):
Yeah.
Speaker 2 (20:28):
Uh, it's it's like I started out by saying, we
we filled the voids.
Speaker 3 (20:32):
We have a purpose. We stabilize the market and the state.
Speaker 2 (20:36):
And I found that at companies that are purpose driven,
you have you know, employees that just step up. They'll
they'll work across you know, departmental lines just to make
it happen. And uh, I see that coming out every day.
It's it's truly, it's like a masterpiece that's being painted
(20:57):
each day. You know, underwriting, working with claims, loss prevention,
helping out with with marketing, you know, claims, helping out
with reinsurance. It really is a symphony that's just in
progress all the time.
Speaker 1 (21:12):
John, just a couple more quick questions with regards to it,
because I think you you noted this earlier. But at
least in the state of Ohio, or maybe it's nationwide
now with the Supreme Court, does every lawyer have to
have some type of malpractice insurance?
Speaker 2 (21:26):
Now, you know, I'm not familiar with the other states.
I'm I'm new to this industry a year in, but
I know that it's mandated at least from a reporting standpoint.
If if the attorneys don't have that coverage, they have
to go through some continuing legal education classes, et cetera.
I'm not familiar with, you know, the other states. Yeah,
(21:49):
but definitely Ohio. Definitely, definitely Ohio.
Speaker 1 (21:52):
So let's say I just graduate from OSU Law, Capital Law.
I hang up the little sign you know a boxer, Yeah,
the Shingo Boxer's law firm. Can I ask you, what
what does it cost my little law firm to have
your coverage?
Speaker 2 (22:10):
What's the starting It depends on the areas of practice.
I mean some areas are going to be more susceptible
to risks than others.
Speaker 1 (22:19):
Okay, so I didn't even think about that. So you
take that into consideration.
Speaker 2 (22:23):
Well, we really don't turn anybody down as long as
we can get comfortable with the price. But we do
have to look at you know, from a transactional standpoint,
it's not a formula what type of law are you're practicing.
When we look at our experience, you know, what's been
the frequency and frequency meeting, the number of claims that
(22:43):
are reported in those specific areas, what's the severity and
those types of things. But generally speaking, I'll tell you
last year, our average policy was about.
Speaker 3 (22:54):
One thousand dollars.
Speaker 2 (22:55):
Okay, we're seeing that edge up a little bit, not
because of the rate increases this year. It's because we're
writing a few more larger policies now as we're starting
to work with brokers. The external, the insurance intermediary is
we talked about, they control the larger Generally speaking, they
control the larger law firms, meaning that if I'm at
(23:18):
a law firm with fifty lawyers, I probably, in lay
persons terms, I farm out the part of the business
that deals with securing insurance for my law firm. So
they work with a broker, and so the brokers can
help us achieve some of the growth and profit that
(23:40):
we have not seen in recent years. The growth piece
and so It really depends. I mean, and I'm not
trying to be like a politician or either no no
for me to say I can tell you what the
average policy has costs, but I can't tage specifics because
if I'm a new lawyer and I'm in an area
(24:00):
of practice, you know, intellectual property, real estates, and trust,
We've got to look at each of those areas and
determine what's the right price.
Speaker 1 (24:08):
John, Outside of the number of attorneys that are maybe
at a law firm, which I realized can raise the price,
is there one type of law a firmal practice that
tends to be more expensive to get insurance for it?
Just out of curiosity?
Speaker 2 (24:25):
You know, we're seeing different that It just really depends.
I mean, I've heard more about the the estates and
the probate area and that sort of thing. But we
also look at, uh, the amount of the number of
attorneys that are based in Ohio versus other states as well.
So some of that could you know, cost us a
(24:47):
little bit more if there's more activity occurring outside of Ohio,
and so jurisdictions and venue really matter, and so it's
there's not a cookie cutter answer for that. It really
depends on what you're doing, you know, the practice of law,
the amount of tenure that your lawyers have. Are they
(25:09):
adhering to what we call the you know, the continuing
legal education. Are they availing themselves to other resources provided
by our loss prevention team, and so on and so forth.
Speaker 1 (25:19):
I've learned so much just from this podcast today, So
such an important piece of advice if you're a client,
if you have an attorney on retainer and you did
know this, or you're looking for an attorney, make sure
they have coverage. Well, John, thank you so much for
your time and being this week's guest on CEOs. You
should Know and I heard Media Columbus podcast. For more
(25:41):
on Oblick. Where can we go?
Speaker 2 (25:43):
You can go to oblic dot com and get the information.
Our website has a full suite of information as well.
But then also you know, we're at various events venues
and different representatives are out there. And I just want
to say it's been an honor and our privilege to
be on your show to get to know you better,
to field the questions to you know, to give some
(26:06):
perspective on what we do at OBLICK and certainly how
we work with our clients and provide that personal touch
and and see the clients growing flourish. At the same time,
we've seen our employees really take a great interest in
making sure that the customers are taken care of.
Speaker 3 (26:23):
Well.
Speaker 1 (26:23):
We appreciate your time. John. By the way, last question
before we go. You've been here a year and now
favorite hangout spot, restaurant, things to do? What do you
like so far?
Speaker 2 (26:34):
Restaurants, I'd say Lindy's has been great up there you go,
been there a couple of times, you know. In terms
of I want to get down to the Rock and
Roll Hall of Fame, I have not been there yet.
Speaker 1 (26:48):
Oh yeah, go up to Cleveland, Yeah yeah, So I'd like.
Speaker 3 (26:50):
To do that as well.
Speaker 2 (26:52):
And then just reconnecting with some of my former, you know,
colleagues and friends from nationwide has been very fulfilling as well.
Speaker 1 (26:59):
If you've been to a Buckeye game yet.
Speaker 2 (27:01):
I've been on a personal tour. We have an entertainment
committee at Oblick and we had a tour with probably
ten or fifteen of us were there, and so we
were in the president's suite.
Speaker 3 (27:15):
We got to actually I raised.
Speaker 2 (27:17):
One of the the employee's kids on the field nearly
pulled a hamstring that day, but it was all in
good fun, so I don't think it was videotape.
Speaker 1 (27:29):
But oh well, that's a bummer.
Speaker 2 (27:31):
John.
Speaker 1 (27:35):
That's great, all right, John Tripple, thanks you so much
for your time, President and CEO of the Ohio bar
liability Insurance Company OBLICK for short, John, takecare. Thanks Boxer
CEOs You Should Know is hosted and produced by Brandon Boxer,
a production of iHeartMedia, Columbus
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Gregg Rosenthal and a rotating crew of elite NFL Media co-hosts, including Patrick Claybon, Colleen Wolfe, Steve Wyche, Nick Shook and Jourdan Rodrigue of The Athletic get you caught up daily on all the NFL news and analysis you need to be smarter and funnier than your friends.
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com