Notable Figures in PBSC History
Insurance KPI's
Underwriting & You
FL Citrus History
Patriot Pride
100

This former Rollins College soccer star once headed PBSC's project/process team before going to work as an analyst in the Underwriting department.

Who is Laura McClelland?
100

This metric is calculated by taking the sum of incurred losses and expenses and dividing them by the earned premium.

What is Combined Ratio?

100

This is a type of plastic tubing made from high density polyethylene and used in plumbing. 

What is PEX?

100

This prominent American citrus producer was an alumnus of the University of Florida and their football stadium bears his name.

Who is Ben Hill Griffin?

100

Pinellas Park High School is located in this Florida city.

What is Largo?

200

This proud UCF alum and noted PQ expert left PBSC's Project Management team to take a role on the Product department's R&D team. 

Who is Marissa Slater?

200

This metric is calculated by dividing the total incurred losses by the total collected insurance premiums.

What is Loss Ratio?

200

This naturally occurring mineral composed of flexible fibers is heat resistant, and is deemed to be an unacceptable risk when used in home construction.

What is asbestos? 

200

This Florida family has roots in Lakeland, Florida and is widely renowned as Florida citrus royalty.

What is the Wynn Dynasty?

200
Pinellas Park High School opened its doors in this year, the same year as the United States Bicentennial.

What is 1976?

300

This former PBSCer has an unpronounceable last name that consists mostly of consonants.  

Who is Michael Smajstrla?
300

This measure of profitability is calculated by dividing the expenses associated with acquiring, underwriting, and servicing premiums by the net premiums earned by an insurance company.

What is Expense Ratio?

300

This device consisting of a piece of taut, strong fabric stretched between a steel frame using many coiled springs is ineligible with Progressive Home in most states.

What is a trampoline?

300

These are the primary varieties of oranges grown in Florida. (Name One)

What are Navel, Hamlin, Pineapple, Ambersweet, and Valencia?

300

Pinellas Park High School features this four year magnet program for students that aspire to careers in the legal system.

What is Criminal Justice?

400

This noted former PBSC business analyst known for his long and flowing beard preferred to be called the Dark Lord and is now analyzing business at a local competitor.

Who is Steven Tedore?

400

This is calculated by taking the difference between premiums collected on insurance policies and business expenses plus claims paid out. 

What is Underwriting Profit?

400

Flat roof designs are ineligible in most states with PGR Home unless they were built in this year, or later.

What is 2012?

400

This Spanish explorer is the person that most likely planted the first orange trees in Florida.

Who is Ponce de Leon?

400

This PBSCer attended Pinellas Park High for 4.5 years but never actually graduated.

Who is Bob Evans?

500

This exceedingly fit former Process Consultant left PBSC to pursue their dream of being a CrossFit gym owner.

Who is Jason Duttle?

500

These are costs incurred by an insurance company that cannot be attributed to the processing of a specific claim.

Unallocated Loss Adjustment Expenses (ULAE)

500

This state mandated risk sharing program enables hurricane prone states to offer high-risk insurance to cover wind and hail damage.

What is a Wind Pool?

500

In 1806 French Count Odel Phillippe planted the first grove of this citrus crop near Tampa, FL.

What are Grapefruit?

500

This PBSCer attended Pinellas Park High and was the editor in chief of the school newspaper, The Powderhorn Press.

Who is Adria Capocy nee Santiano?