The XPT: S&H Story

Betty has been in the Insurance Field since 1984, starting out as a retail insurance agent. She began her career in the MGA/Wholesale Insurance field in 1989 where she worked as an underwriter and then moved up to Vice President of Underwriting. In 1998 Betty and her husband Patrick started S&H Underwriters.

She is active in the local insurance professional association and has served as President in the past. She has served on various committees within the association including Safety, Meetings & Events and Education. Most recently in 2016 Betty was awarded Insurance Professional of the Year by the Champlain Valley Association of Insurance Professionals.

Betty resides in East Montpelier Vermont with her husband Patrick and golden retriever Peyton. She enjoys running successfully completing several half marathon’s and her one and only full marathon in 2013. She has three grown children, one grandson Jackson and one granddaughter Emma.

Patrick has been in the Insurance Field since the late 1980’s starting out as an insurance regulator for the Department of Banking, Insurance & Securities which is now known as the Vermont Department of Financial Regulation. Patrick is the head of the Personal Lines Dept. and is responsible for setting up various insurance programs for the office. He also underwrites Professional and Property and Casualty Lines and oversees the Hospitality Program.

He has served as Vice President of the Vermont Society of Financial Examiners, President of the Agency Advisory Board for the IAT Specialty Group and has been involved as a local high school athletic coach.

Patrick resides in East Montpelier Vermont with his wife, Betty and has three adult age children. In his spare time, you can find Patrick on the golf course or spending time with his grandchildren.

Tammy McCullough joined the S&H Underwriters team in 2013 after having worked as a producer at the agency level and has over 30 years of experience in the industry. She has various insurance related designations including CPIW, CLP, AINS, ASLI, DAE and AIS. She is currently working on the AU and the Cannabis Insurance Coverage Specialist designations.

Around our office Tammy is the Cannabis Insurance GURU and quite often answers to the name Mary Jane. She has conducted several cannabis related courses at local industry meetings and at regional conferences. She is more then happy to chat all things Cannabis so give her a BUZZ.

Recently married, she resides in Central VT with her husband, Fred. She has 3 adult aged children and a precious granddaughter with another on the way! Vermont is the best place to play outside! When she is not at work you will find her running, biking, hiking or skiing.

Linda’s insurance career started in 1983 as a Personal Lines Assistant Underwriter at the Union Mutual of VT Companies. She then moved to the Data Entry Department, prior to moving back to the Personal Lines Department as an Underwriter.

After departing the Insurance Industry in 1999, she re-entered in 2003 at S&H Underwriters this time as a Commercial Lines Underwriter. In 2014, she was promoted to Policy Services Manager, where she remains. She has completed the INS course of study and holds her Associate of Underwriting designation.

Linda is a member of several civic clubs – BPOE Lodge 1535, where she was a past Elk of the Year, Auxiliary of the VFW Post 790, Ladies Auxiliary of the American Legion and the Canadian Club.

She resides in Barre and enjoys stock car racing, horseshoes, bowling, gardening and golf.

Haylee was hired with S&H Underwriters in August 2002. She has worked in policy services, Commercial Lines and has been in the Personal Lines department since 2010. Haylee has her Certified Insurance Industry Professional Designation and is working toward getting her Associate in Personal Lines Designation and Associate in General Insurance Designation.

Haylee is a former member of the Vermont Association of Insurance Professionals and the International Association of Insurance Professionals since 2003. During her membership she has served on various VTAIP board positions – including being the President. She has also served on Regional Committees – including being the 2014 Region 1 Conference Committee Co-Chair.

Haylee lives in Graniteville with her 2 boys.

Matt joined S&H Underwriters, Inc. in 2003 as an assistant in the accounting department. He is now an accounting manager and also provides assistance with claims. Matt is a graduate of Lyndon State College with a B.A. in Social Sciences, holds a degree in business, and earned a certificate in accounting from Champlain College. Matt has also earned the AIC and AINS designations from the AICPCU.

Matt has served on his local schoolboard and enjoys volunteer work for his church, Cub Scouts, and community.

Matt is a life-long resident of East Montpelier. He is an avid runner and enjoys spending time at his family camp on Lake Champlain with his wife Julie, their son Joseph and their two golden retrievers.

Gabrielle began her insurance career in 2014 after graduating from Castleton University with a Bachelor’s degree in Business Administration. She was also a member of the Spartan’s field hockey team for two years. She started at the agency level as a personal lines account manager working for two different insurance agencies in Vermont from 2014-2018. Gabrielle started working for S&H Underwriters in August 2018. Gabrielle is working as an underwriter in our Personal Lines Dept. Currently, Gabrielle has an AINS designation and is working toward her API.  

Gabrielle lives in Saint Albans, VT with her Husband, Ben, their son, Colton and their golden retriever, Bauer. In her spare time, she loves to run, hike, bake, and spend time with her friends and family.

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Krystal Foster has been a member of the Policy Services Department at S&H Underwriters since 2015.

She received a Bachelor’s of Science degree in Nutrition and Food Science from the University of Vermont in 2013. Krystal’s career began at Cabot Creamery where she interned under the company Dietitian and later transitioned into a position in Customer Relations. She recently got her Property/Casualty license in August of 2016.

Krystal’s hobbies include cooking and playing tennis. She resides in Sheffield, VT with her husband and their 2 dogs.

Matt began his insurance career in February 2012 after several years designing for an engineering company. Problem solving, creativity, and attention to detail carried overwhile transitioning into the insurance world.

He has spent time in various segments of theinsurance industry. MGA/Wholesale Underwriting, Retail/Broker Production and Account Management, and Standard Market Underwriting/Agency Management. He enjoys the complexity and challenges of the Excess & Surplus world, as well as the ever changing, evolving marketplace.

Matt resides in Middletown, CT with his significant other Rian, their son Austin and their dog, Charlotte. Outside ofwork he enjoys playing hockey, exploring the great outdoors, and traveling.

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Liz has been in the insurance industry since 2005. She takes time to build long-lasting relationships with her agents. She has handled placement for commercial and personal accounts of all sizes. The past 8 years have been spent working in the Excess and Surplus Market.

Liz has spent her career working with retail agents all over the Northeast. She is a licensed Property & Casualty Broker. Liz has earned her Associate in Commercial Underwriting (AU) and is actively pursuing her CPCU.

Liz resides with her husband Jon outside Syracuse, NY. They enjoy spending time with their 5 adult children and family members. When not working Liz loves hosting neighborhood cookouts, boating, fishing, and exploring new places.

Matt began his insurance career in February 2012 after several years designing for an engineering company. Problem solving, creativity, and attention to detail carried over while transitioning into the insurance world.

He has spent time in various segments of the insurance industry. MGA/Wholesale Underwriting, Retail/Broker Production and Account Management, and Standard Market Underwriting/Agency Management. He enjoys the complexity and challenges of the Excess & Surplus world, as well as the ever changing, evolving marketplace.

Matt resides in Middletown, CT with his significant other Rian, their son Austin and their dog, Charlotte. Outside of work he enjoys playing hockey, exploring the great outdoors, and traveling.

After many years working as an EMT in Boston, MA, Kristen entered the world of Commercial Insurance in 2014. She began her journey as an Account Executive working on the Carrier side and eventually moved to a role as an Assistant Underwriter in the Wholesale space.

Kristen joined the XPT:S&H Team in 2023 as a Commercial Lines Underwriter!

In her free time, Kristen is an avid true crime podcast fan and loves to travel. She lives in Squantum, MA with her husband Chris, sons Drew and Chase, and many four-legged family members!

Shelby’s insurance career started in 2014 where she worked as a customer service representative. She came to S&H Underwriters in 2019.

Shelby has worked both in Personal Lines & Commercial Lines and with her attention to detail, carrier knowledge and communication skills, she has worked up to becoming a Commercial Lines Underwriting Assistant. Working with such agreat team of Underwriters challenges her to learn and evolve in the complex and always changing excess & surplus lines world.

Shelby resides in Barre, VT with her husband, daughter and two sons. Outside of the office - she spends most of her free time baking (She has a Bachelor’s degree in Pastry Arts!) and she loves teaching her kids as much as possible. She also loves spending time with her family enjoying the family camp, fishing, swimming,and enjoying the outdoors.

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