Owner---Ted
Demetriou 
Mr. Demetriou entered the insurance industry in
April, 1980, a few years after graduating from Adelphi
University in Garden City, New York with a BBA (Bachelor
of Business Administration) in Management. Over
the next 8 ½ years, he continued to learn
all aspects of the insurance industry while working
for Metropolitan Life Insurance Company, Lincoln
National Insurance Company and two local property/casualty
agencies. During that time, he also continued his
education, attaining an MBA (Master of Business
Administration) from University of Baltimore in
December, 1984.
In September, 1988, Demetriou Insurance Services,
Inc. was formed in the basement of Mr. Demetriou’s
home. As a continuance of his education, in May,
1990, Mr. Demetriou received the CIC (Certified
Insurance Counselor) designation. This is a five-part,
five-exam program, sponsored by The National Alliance
for Insurance Education & Research. In order
to maintain this coveted designation, the Alliance
requires every CIC to complete 20 hours of continuing
education annually.
Since the agency was formed, the premium volume
has grown almost 800%. Today, almost 19 years later,
we our proud to still be in a growth phase. We average
2 referrals each day and are successful in writing
75% of those referrals. The agency and/or Mr. Demetriou
are currently licensed in 12 states. As more business
is referred to us, we will not hesitate to obtain
licenses in other states.
Office
Manager---Kathleen Hykes
Kathleen
Hykes graduated from Seton High School in Baltimore,
Maryland in June, 1980 with her major in business.
After a 10 year career
in the investment industry, Kathleen entered
the insurance field as a customer service representative
in 1999. She became a licensed resident producer
in July, 2000. She has been working with Ted Demetriou
for 7 years, with her preferred areas of insurance
being personal lines (home and auto).
Insurance is a necessity of life. We need insurance
to protect us. Let Kathleen help you feel protected.
In
General
We will always attempt to find coverage for our
clients and their referrals and thus, have written
all types of businesses. We do, however,
have some
strengths in certain industries.
Restaurants
This is a specialty of ours that has grown dramatically
over the past 5 years. We represent 2 insurance
companies who have special programs designed exclusively
for restaurants. These programs will aggressively
underwrite and write fine-dining and/or family-style
restaurants, as well as the pizza, sub and sandwich
shops. In this industry, we are successful in writing
over 90% of the restaurants that we quote.
Nightclubs, Bars and Taverns
Writing these classes of business has become a favorite
of ours. Only a select few insurance companies have
an appetite for these types of risks. We have researched
and uncovered many of those.
In Washington, D. C., the dram-shop laws hold the
server of alcohol responsible for the actions of
someone to whom they have served alcohol. For this
reason, it is very difficult and expensive to secure
liquor liability in Washington, D. C. Again, we
are continually looking for new companies that will
entertain, underwrite and write these liquor-serving
establishments. Because of these dram-shop laws,
the premium can be very expensive. Therefore, we
feel the need to once again go the extra mile for
our clients in trying to find them affordable liquor
liability coverage. We have been very successful
in writing many of these establishments.
Transportation
This is a very limited marketplace for insurance.
We know of only a few companies that will write
this business, but we have secured access to virtually
all of them. This industry includes busses (school
or charter), van services (para-transit, airport,
etc.), trucking (local, intermediate or long-haul),
car rental, limousine and taxi cabs.
