Meet the Team

Southern Oak’s executive team is comprised of experienced insurance professionals who all have backgrounds in Finance, Risk Management, Banking, Compliance, and who have worked at top Property and Casualty companies in the past.  Combined, Southern Oak’s management team has over 100 years of experience in all operational areas of insurance.  Equally important is the fact that the members of Southern Oak’s executive team are all Florida residents (many of whom are life-long residents), affording the company a unique connection to its policyholders, and directly contributing to Southern Oak’s position as one of the top rated insurance companies in the state.

President and Chief Executive Officer – Tony A. Loughman, CPCU, ARM

Mr. Loughman has over 21 years of insurance experience.  As founder and CEO, he has overseen all aspects of the company.  Prior to Southern Oak, his career included the positions of Claims Adjuster, Underwriter, Insurance Analyst, Underwriting Operations Manager, Director of Corporate Underwriting and Agency Administration, and Chief Underwriting Officer.

Mr. Loughman holds the Chartered Property and Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) designations as well as a Bachelor of Science in Finance from Jacksonville University, and a Masters Degree in Business Administration from The University of North Florida.

Mr. Loughman grew up in Jacksonville and now lives in Ponte Vedra Beach, where the beautiful northeast Florida climate allows him to play soccer, tennis, and golf year round.

“Growing up in Florida, I feel like our entire management team has a true appreciation of what it means to be a Florida resident.  We bring this core value to all the decisions we make.”

Chief Operating Officer – Ronald E. Natherson, Jr.

Mr. Natherson has been a member of the Southern Oak management team since the company’s inception and has over 15 years of experience in the property and casualty insurance industry.  He oversees all claims operations, corporate marketing, sales, and community relations.

Previously, Mr. Natherson served as Director of Agent and Consumer Services for Florida Windstorm Underwriting Association (FWUA) and Citizens Property Insurance Corporation.  Additionally, he was Vice President of Seda Construction, heading up the Insurance Restoration Division where he ran many direct repair programs and developed innovative customer feedback mechanisms related to the restoration of homes and businesses following an insurance loss.

He holds the Professional Claims Adjuster (PCA) designation, as well as an undergraduate degree in Banking and Finance and a Masters Degree in Public Administration, both from the University of North Florida.

Mr. Natherson grew up in Longwood, FL and moved to Jacksonville in 1985 to play collegiate baseball for the University of North Florida where he is a member of the Athletic Hall of Fame.  He was also the 2008 Chairman of THE PLAYERS Championship golf tournament.  He currently resides in Ponte Vedra with his wife, daughter, and 2 dogs and prides himself on being the best golfer at Southern Oak as well as the best singer (but only when coerced).

I like the way we think about things.  Whether it’s systems, procedures, claims handling, or communications, we always try to do what makes the best sense, and we’re always trying to make things better for our agents and policyholders.” 

Chief Financial Officer – Daniel M. Kutzer, CPA

Mr. Kutzer has been a member of the Southern Oak management team since the company’s inception.  He has over 18 years of insurance accounting experience and 36 years general business accounting experience.

Previously, Mr. Kutzer served as the Treasurer for Florida Windstorm Underwriting Association where he oversaw the Accounting and Finance Departments, managed capital assets, and handled claims bonding and reinsurance transactions.  He is a Certified Public Accountant, and holds a Bachelor of Business Administration in Accounting.

Mr. Kutzer grew up in Jacksonville and both work and family have kept him in the area.  He has 4 great children who keep him busy, and he prides himself on being the best table tennis player at Southern Oak, as well as the wittiest.

“Financial reporting is extremely important to our company and our policyholders.  I want everything to be 100% accurate, on time, and relevant.”

Vice President of Underwriting – Kimberly A. Chaney

Mrs. Chaney has been with Southern Oak Insurance since 2011 and has over 27 years of property insurance experience within the underwriting and product development discipline including 11 years in a managerial role.  She oversees underwriting and customer service operations and has extensive experience in hurricane modeling analysis, as well as developing strategies for wind exposure and wind mitigation programs.  Additionally, she is involved with rate and form filings on behalf of Southern Oak and the development of products and changes to Southern Oak policies.

Prior to joining the Southern Oak management team, Mrs. Chaney was the Director of Product Development for Citizens Property Insurance Corporation.  She holds a Bachelor of Science degree in Business Management with high honors from the University of Phoenix.

Mrs. Chaney grew up on the Westside of Jacksonville and later moved to Clay County where she now lives with her husband and 2 children.  She is currently the Southern Oak “go-to” when it comes to decorating an office or sneaking an afternoon piece of candy.  When not in the office, she loves seeing new places, trying new foods, and meeting new people.

“I love the underwriting process and the product development side of property insurance.  I enjoy working on things that make the process of buying or understanding insurance better and working with us easier.”

Senior Counsel – Rochelle D. Brahm

Former Florida Assistant Attorney General, Rochelle D. Brahm joined the Southern Oak team in 2014 and brings a broad range of insurance industry experience focusing on the detection, investigation, and civil prosecution of fraudulent claims.

Previously Ms. Brahm held the position of Senior Associate with Colodny, Fass, Talenfeld, Karlinsky, Abate & Webb in South Florida.  Prior to that, during her tenure as Assistant Attorney General, Ms. Brahm directed investigations and prosecuted complex white collar crimes such as Medicaid fraud and money laundering.  Additionally, she was active in the enforcement of elderly abuse, neglect, and exploitation of Florida citizens residing in health care facilities, as well as working with the Florida Attorney General’s Office to train attorneys and investigators.

Ms. Brahm holds an undergraduate degree from Florida International University, a law degree from the University of Miami School of Law, and is an AV-rated attorney.

Ms. Brahm grew up in Miami and recently joined the Southern Oak team.  She enjoys spending time with her daughter who is the light of her life, and getting the most out of Florida’s hot sunny days.

“In any customer service industry, it’s important to make the right decisions.”

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