About RAM
At RAM, we believe in finding affordable and comprehensive coverage for each of our clients in a way that provides the greatest benefits to their organizations.
We also believe in helping our clients better understand their coverage before, during, and after the application process. Licensed in Florida, our team specializes in professional and cyber liability for lawyers, accountants, and financial planners. Unlike traditional insurance agencies, we have the expertise to assist our clients in a professional and personal way.
Meet the Team
To us, it’s not just about insurance. It’s about making the process personable and building long-term relationships with our clients and partners. Learn more about our team members below!
C. Michael Halfast
C. Michael Halfast, CPA
President — Professional Liability Specialist
As a professional liability specialist, Michael’s expertise is in providing our clients with top-of-the-line coverage and loss prevention materials so that they not only feel secure with the insurance they have purchased but also understand how to limit their risks as a business and protect themselves from claims. Since 1997, Michael has created strong, semi-exclusive partnerships with some of the best professional liability and cyber liability insurance companies, which helps him continue to provide such great assistance to our clients year over year.
Prior to becoming a professional liability specialist, Michael received his Bachelor of Science degree from the University of Tampa, with a double major in Accounting and Management Information Systems. Michael also spent over five years as the administrator of a mid-sized law firm and over five years as a certified public accountant, most of that with the CPA firm Deloitte & Touche. Michael remains licensed as a CPA, served on the FICPA Board of Governors for 6 years, and is a Trustee for the FICPA Scholarship Foundation, but does not serve the public any longer.
Michael has been married to Denise for over 30 years. They have three children, Kelsey, Rebecca and Chase who continue to keep them on their toes, even though Chase is the only child still living with them. Michael loves to get outdoors when he steps away from the office, which includes a new found hobby creating pallet wood projects…that Denise most likely found on Pinterest.
G. Blair Campbell
Blair Campbell
Partner — Professional Liability Specialist
With more than 40 years of experience working in professional liability insurance, Blair provides a level of knowledge that has played an invaluable role in helping RAM become successful. As Michael’s partner and mentor, his understanding of the strengths and diversities of each insurance company helps RAM provide clients with the best possible coverage options. Before working as a professional liability specialist, Blair received his Bachelor of Science degree in Business from Franklin University in Columbus, Ohio.
Joy Oliver
Joy Oliver
Professional Liability Specialist
Joining RAM in 2003, Joy grew from a part-time employee to be an intrinsic part of RAM’s success. She obtained her Professional Customer Service license in 2006, and became a Licensed Property Casualty Insurance Agent in 2015. She took pride in spending her time saving our clients’ time by partially completing client applications—one of our agency’s unique services. Joy was also instrumental in modernizing the application process and transferring our office to a paperless environment, which we did in 2010. Joy was forced to resign/retire in 2020 due to developing pain from small fiber neuropathy in her arms and hands.
Joy now spends her time with her husband, Rick, at their home on the Big Bayou. A native of St. Petersburg, she loves the paradise lifestyle that Florida offers. You’ll often find her and Rick relaxing on their deck overlooking the Big Bayou, hoping to catch a glimpse of dolphins swimming by.
Julie Reed
Julie Reed
Team Member — Administration
Julie joined our team in 2014 with prior experience in customer service. She’s a dedicated hard worker who reviews client policies for accuracy, handles other policy-related tasks, and serves our agency’s bookkeeper. Julie is passionate about helping others and always puts the needs of clients first. Though she works part-time, Michael often has to kick her out the door so she can pick up her kids on time.
Julie has a wonderful family. Her husband is a retired firefighter who now finds himself knee-deep in small construction projects for others. Her beautiful daughter Hannah is studying to be a nurse. Julie’s son Jonathan is in high school and enjoys having a full social calendar, but family is high on his list.
Jill Batchelor-Asbury
Jill Batchelor-Asbury
Team Member — Administration
Jill became part of our team in 2017, though she had some prior experience in our agency in 2013. Her position began part-time and grew into full-time employment. With a strong desire to work, she continues to learn and grow within our company. With Joy’s resignation, she now works with Michael to partially complete our clients’ applications, starting the renewal process and now works with the carriers to obtain terms for Michael to present.
Time off for Jill is usually filled with a variety of activities…anything from cycling to traveling. As a former Disney cast member, Jill also has a passion for anything Disney that she’s able to share and enjoy with all four of her children, in any age group. Single mom life keeps her relatively busy raising her 14-year-old son at home still. Shane excels in academics, graduating the 8th grade from St. Paul’s Lutheran School in 2020. In his spare time, you’ll find him in “geek” mode, which is actually common ground for both Jill and her son.