Aponte, Suhail

From: Sent: To: Attachments: John Griffin <GRIFJ002@hartfordschools.org> Wednesday, October 30, 2013 11:43 AM Griffin, John 20131030114252645.pdf

This E-mail was sent from "RNPE5C8DB" (Aficio MP 8000). Scan Date: 10.30.2013 11:42:52 (-0400) Queries to: websmart@hartfordschool.org

Aponte, Suhail
From: Sent: To: Attachments: John Griffin <GRIFJ002@hartfordschools.org> Tuesday, October 22, 2013 12:25 PM Griffin, John 20131022122505733.pdf

This E-mail was sent from "RNPE5C8DB" (Aficio MP 8000). Scan Date: 10.22.2013 12:25:05 (-0400) Queries to: websmart@hartfordschool.org

Aponte, Suhail
From: Sent: To: Subject: Reid, Richard <Richard.Reid@ct.gov> Thursday, October 03, 2013 11:34 AM Griffin, John RE: http://www.cga.ct.gov/2005/rpt/2005-R-0025.htm complaint 04944

Hello Mr. Griffin: The Department would not be involved in any of these situations. We would only have jurisdiction with the actions of OGarro and Hybrid because they are licensed in insurance. You may want to submit a written complaint to both Chief States and the Attorney General so they can decide if they wish to open an investigation into this matter. Sincerely,

Richard Reid Associate Examiner Fraud & Investigations Unit Connecticut Insurance Department TEL: (860)297-3848 FAX: (860)297-3872 e-mail: Richard.Reid@ct.gov

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, October 03, 2013 11:01 AM To: Reid, Richard Subject: http://www.cga.ct.gov/2005/rpt/2005-R-0025.htm complaint 04944 Hi Richard, Should the Citys concern about the possibility of a City Official being connected with what appears to be insurance fraud with Hybrid be direct to the Chief States Attorney now since you indicated the ID would not be addressing that issue. However, if it is proven a City Official was involved in what appears to be insurance fraud, how does the ID address that issue? Any guidance would be appreciated. Many thanks! John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201
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F: 860.722.8565 E: grifj002@hartfordschools.org

Aponte, Suhail
From: Sent: To: Subject: Attachments: Griffin, John Wednesday, October 02, 2013 5:08 PM jgriffin300@comcast.net Hybrid Complaint 04944; FW: Complaint 04944

Aponte, Suhail
From: Sent: To: Subject: Griffin, John Wednesday, October 02, 2013 4:22 PM NANCY COSGROVE FW: Complaint 04944

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

From: Griffin, John Sent: Wednesday, October 02, 2013 4:20 PM To: Richard.Reid@ct.gov Subject: Complaint 04944 Dear Mr. Reid, Please accept this as the Citys formal request to seek action from the Chief States Attorney regarding the above complaint. Also, if permissible under your rules, please provide a copy of your letter to Hybrid regarding possible violations under the CT insurance statues. If you cannot provide copies of the letter(s), please consider this an FOI request for those documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org
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Aponte, Suhail
From: Sent: To: Subject: Griffin, John Wednesday, October 02, 2013 4:20 PM Richard.Reid@ct.gov Complaint 04944

Dear Mr. Reid, Please accept this as the Citys formal request to seek action from the Chief States Attorney regarding the above complaint. Also, if permissible under your rule, please provide a copy of your letter to Hybrid regarding possible violations under the CT insurance statues. If you cannot provide copies of the letter(s), please consider this an FOI request for those documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

Aponte, Suhail
From: Sent: To: Cc: Subject: Attachments: Griffin, John Thursday, September 19, 2013 6:01 PM SCOTT C SUNDBERG; NANCY COSGROVE Griffin, John Fwd: Hybrid Insurance Group, Complaint 04944 image002.jpg; image003.jpg; image002.jpg

FYI, call around 10:30 please. John Sent from my iPhone Begin forwarded message: From: "Reid, Richard" <Richard.Reid@ct.gov> Date: September 19, 2013, 4:29:16 PM EDT To: "'Griffin, John'" <GRIFJ002@hartfordschools.org> Subject: RE: Hybrid Insurance Group, Complaint 04944

Mr. Griffin: The Department would determine if violations of insurance law under the Commissioners jurisdiction have been violated, and take appropriate action. Whether that includes a referral to another state agency, at this point I cannot say. Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to company. Any payment made by or on behalf of an insured to any producer for policies of insurance which have been issued to such producer for delivery to the insured or issued directly to the insured on the order of such producer shall, in controversies between the insured and the company, be deemed to have been paid to the company.

Richard Reid Associate Examiner Fraud & Investigations Unit Connecticut Insurance Department TEL: (860)297-3848 FAX: (860)297-3872 e-mail: Richard.Reid@ct.gov

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 3:33 PM To: Reid, Richard Subject: Hybrid Insurance Group, Complaint 04944

Hi Richard, Attached are the applications sent to Hybrid. If the ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. We trust your team will give this matter the highest priority and we thank you for your efforts in advanced. Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coverage must be extended regardless of the insurer actually being paid by the agent.

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org
The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

From: Alicia M. Flanders [mailto:amf@hdsegur.com] Sent: Thursday, September 19, 2013 2:58 PM To: Griffin, John Subject: RE: Hybrid Insurance Group

Hi John, Attached are the applications that we supplied to Hybrid in order for them to quote the Excess Lines and also the Professional Lines. Hybrid may have completed separate carrier applications to submit directly to Starr Indemnity and National Casualty for the Excess quotes. Please review and let us know if you need anything additional.

Alicia Flanders
HD Segur Insurance 203-699-4523

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 12:47 PM To: Alicia M. Flanders
10

Cc: NANCY COSGROVE Subject: FW: Hybrid Insurance Group Please send application sent to Hybrid. John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org
The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

From: Griffin, John Sent: Thursday, September 19, 2013 12:45 PM To: 'Richard.Reid@ct.gov' Cc: Stegall, Amy Subject: Hybrid Insurance Group Hi Richard, We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per th your request. Please advise before 25 if I can provide any support documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

11

The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

12

Aponte, Suhail
From: Sent: To: Cc: Subject: Attachments: Griffin, John Thursday, September 19, 2013 6:01 PM SCOTT C SUNDBERG; NANCY COSGROVE Griffin, John Fwd: Hybrid Insurance Group, Complaint 04944 image002.jpg; image003.jpg; image002.jpg

FYI, call around 10:30 please. John Sent from my iPhone Begin forwarded message: From: "Reid, Richard" <Richard.Reid@ct.gov> Date: September 19, 2013, 4:29:16 PM EDT To: "'Griffin, John'" <GRIFJ002@hartfordschools.org> Subject: RE: Hybrid Insurance Group, Complaint 04944

Mr. Griffin: The Department would determine if violations of insurance law under the Commissioners jurisdiction have been violated, and take appropriate action. Whether that includes a referral to another state agency, at this point I cannot say. Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to company. Any payment made by or on behalf of an insured to any producer for policies of insurance which have been issued to such producer for delivery to the insured or issued directly to the insured on the order of such producer shall, in controversies between the insured and the company, be deemed to have been paid to the company.

Richard Reid Associate Examiner Fraud & Investigations Unit Connecticut Insurance Department TEL: (860)297-3848 FAX: (860)297-3872 e-mail: Richard.Reid@ct.gov

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 3:33 PM To: Reid, Richard Subject: Hybrid Insurance Group, Complaint 04944

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Hi Richard, Attached are the applications sent to Hybrid. If the ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. We trust your team will give this matter the highest priority and we thank you for your efforts in advanced. Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coverage must be extended regardless of the insurer actually being paid by the agent.

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org
The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

From: Alicia M. Flanders [mailto:amf@hdsegur.com] Sent: Thursday, September 19, 2013 2:58 PM To: Griffin, John Subject: RE: Hybrid Insurance Group

Hi John, Attached are the applications that we supplied to Hybrid in order for them to quote the Excess Lines and also the Professional Lines. Hybrid may have completed separate carrier applications to submit directly to Starr Indemnity and National Casualty for the Excess quotes. Please review and let us know if you need anything additional.

Alicia Flanders
HD Segur Insurance 203-699-4523

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 12:47 PM To: Alicia M. Flanders
14

Cc: NANCY COSGROVE Subject: FW: Hybrid Insurance Group Please send application sent to Hybrid. John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org
The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

From: Griffin, John Sent: Thursday, September 19, 2013 12:45 PM To: 'Richard.Reid@ct.gov' Cc: Stegall, Amy Subject: Hybrid Insurance Group Hi Richard, We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per th your request. Please advise before 25 if I can provide any support documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

15

The link ed image cannot be display ed. The file may hav e been mov ed, renamed, or deleted. Verify that the link points to the correct file and location.

16

Aponte, Suhail
From: Sent: To: Cc: Subject: Griffin, John Thursday, September 19, 2013 5:59 PM Reid, Richard Griffin, John Re: Hybrid Insurance Group, Complaint 04944

Thank you, John Griffin Sent from my iPhone On Sep 19, 2013, at 4:30 PM, "Reid, Richard" <Richard.Reid@ct.gov> wrote:

Mr. Griffin: The Department would determine if violations of insurance law under the Commissioners jurisdiction have been violated, and take appropriate action. Whether that includes a referral to another state agency, at this point I cannot say. Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to company. Any payment made by or on behalf of an insured to any producer for policies of insurance which have been issued to such producer for delivery to the insured or issued directly to the insured on the order of such producer shall, in controversies between the insured and the company, be deemed to have been paid to the company.

Richard Reid Associate Examiner Fraud & Investigations Unit Connecticut Insurance Department TEL: (860)297-3848 FAX: (860)297-3872 e-mail: Richard.Reid@ct.gov

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 3:33 PM To: Reid, Richard Subject: Hybrid Insurance Group, Complaint 04944 Hi Richard, Attached are the applications sent to Hybrid. If the ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. We trust your team will give this matter the highest priority and we thank you for your efforts in advanced.
17

Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coverage must be extended regardless of the insurer actually being paid by the agent.

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org <image002.jpg> From: Alicia M. Flanders [mailto:amf@hdsegur.com] Sent: Thursday, September 19, 2013 2:58 PM To: Griffin, John Subject: RE: Hybrid Insurance Group

Hi John, Attached are the applications that we supplied to Hybrid in order for them to quote the Excess Lines and also the Professional Lines. Hybrid may have completed separate carrier applications to submit directly to Starr Indemnity and National Casualty for the Excess quotes. Please review and let us know if you need anything additional.

Alicia Flanders
HD Segur Insurance 203-699-4523

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 12:47 PM To: Alicia M. Flanders Cc: NANCY COSGROVE Subject: FW: Hybrid Insurance Group Please send application sent to Hybrid. John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------18

O: C: F: E:

860.695.8644 860.986.2201 860.722.8565 grifj002@hartfordschools.org

<image003.jpg> From: Griffin, John Sent: Thursday, September 19, 2013 12:45 PM To: 'Richard.Reid@ct.gov' Cc: Stegall, Amy Subject: Hybrid Insurance Group Hi Richard, We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per th your request. Please advise before 25 if I can provide any support documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org <image002.jpg>

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Aponte, Suhail
From: Sent: To: Subject: Reid, Richard <Richard.Reid@ct.gov> Thursday, September 19, 2013 4:29 PM Griffin, John RE: Hybrid Insurance Group, Complaint 04944

Mr. Griffin: The Department would determine if violations of insurance law under the Commissioners jurisdiction have been violated, and take appropriate action. Whether that includes a referral to another state agency, at this point I cannot say. Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to company. Any payment made by or on behalf of an insured to any producer for policies of insurance which have been issued to such producer for delivery to the insured or issued directly to the insured on the order of such producer shall, in controversies between the insured and the company, be deemed to have been paid to the company.

Richard Reid Associate Examiner Fraud & Investigations Unit Connecticut Insurance Department TEL: (860)297-3848 FAX: (860)297-3872 e-mail: Richard.Reid@ct.gov

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 3:33 PM To: Reid, Richard Subject: Hybrid Insurance Group, Complaint 04944 Hi Richard, Attached are the applications sent to Hybrid. If the ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. We trust your team will give this matter the highest priority and we thank you for your efforts in advanced. Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coverage must be extended regardless of the insurer actually being paid by the agent.

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103
20

--------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

From: Alicia M. Flanders [mailto:amf@hdsegur.com] Sent: Thursday, September 19, 2013 2:58 PM To: Griffin, John Subject: RE: Hybrid Insurance Group

Hi John, Attached are the applications that we supplied to Hybrid in order for them to quote the Excess Lines and also the Professional Lines. Hybrid may have completed separate carrier applications to submit directly to Starr Indemnity and National Casualty for the Excess quotes. Please review and let us know if you need anything additional.

Alicia Flanders
HD Segur Insurance 203-699-4523

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 12:47 PM To: Alicia M. Flanders Cc: NANCY COSGROVE Subject: FW: Hybrid Insurance Group Please send application sent to Hybrid. John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

21

From: Griffin, John Sent: Thursday, September 19, 2013 12:45 PM To: 'Richard.Reid@ct.gov' Cc: Stegall, Amy Subject: Hybrid Insurance Group Hi Richard, We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per your th request. Please advise before 25 if I can provide any support documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

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Aponte, Suhail
From: Sent: To: Subject: Attachments: Griffin, John Thursday, September 19, 2013 4:01 PM Altieri, Paula A. FW: Hybrid Insurance Group, Complaint 04944 Alteris App.pdf; Alteris SB App.pdf; SB Application.pdf

See note below to the ID John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

From: Griffin, John Sent: Thursday, September 19, 2013 3:41 PM To: SCOTT C SUNDBERG; NANCY COSGROVE Subject: FW: Hybrid Insurance Group, Complaint 04944

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

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From: Griffin, John Sent: Thursday, September 19, 2013 3:33 PM To: Richard.Reid@ct.gov Subject: Hybrid Insurance Group, Complaint 04944 Hi Richard, Attached are the applications sent to Hybrid. If the ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. We trust your team will give this matter the highest priority and we thank you for your efforts in advanced. Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coverage must be extended regardless of the insurer actually being paid by the agent.

John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

From: Alicia M. Flanders [mailto:amf@hdsegur.com] Sent: Thursday, September 19, 2013 2:58 PM To: Griffin, John Subject: RE: Hybrid Insurance Group

Hi John, Attached are the applications that we supplied to Hybrid in order for them to quote the Excess Lines and also the Professional Lines. Hybrid may have completed separate carrier applications to submit directly to Starr Indemnity and National Casualty for the Excess quotes.
24

Please review and let us know if you need anything additional.

Alicia Flanders
HD Segur Insurance 203-699-4523

From: Griffin, John [mailto:GRIFJ002@hartfordschools.org] Sent: Thursday, September 19, 2013 12:47 PM To: Alicia M. Flanders Cc: NANCY COSGROVE Subject: FW: Hybrid Insurance Group Please send application sent to Hybrid. John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103 --------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

From: Griffin, John Sent: Thursday, September 19, 2013 12:45 PM To: 'Richard.Reid@ct.gov' Cc: Stegall, Amy Subject: Hybrid Insurance Group Hi Richard, We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per your th request. Please advise before 25 if I can provide any support documents. Thank you, John W. Griffin Executive Director Risk, Insurance and Compliance Management Office of Financial Management Hartford Public Schools 960 Main Street - 9th Floor Hartford, CT 06103
25

--------------------------------------------------------O: 860.695.8644 C: 860.986.2201 F: 860.722.8565 E: grifj002@hartfordschools.org

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