Rodger A. Bayne, RHU, CEO

Rodger A. Bayne oversees this enterprise built to support the marketing, sales, training and education by and for the insurance community, as well as those businesses touched by insurance and health care reform issues.

Bayne is a motivated business professional with a successful 32-year track record of entrepreneurship and 26 years of insurance agency development and management, leading to nearly $1 billion in sales.

Bayne began his career in benefit services in 1986. He founded Client First Brokerage Services, Inc. in 1992 and leveraged his efforts in representing American Medical Security, growing the business quickly to more than $70 million of in-force premium. During this time, Client First pioneered the delivery of “defined contribution plans” with consumer software designed to ease the decision process for consumers with group plans.

In 2005 Bayne and Client First pioneered Maryland’s first group plan offering the full array of consumer driven plans. The major carriers were nearly a year behind. Client First continued to develop self-funded and other health insurance plans until it sold some lines of business, and merged operations with Group Benefit Services in 2009. In late 2012, Bayne resigned from Group Benefit Services to lead the expansion of Benefit Indemnity Corporation.

He has been an activist for health care reform since 1987 and a champion for small employers’ rights and access to health care value. In 1992, he conducted one of Maryland’s first public health care reform rallies. He has participated in numerous Capitol Conferences, lobbied in Annapolis and Washington, DC, and worked intimately on Maryland’s small group reform law. Bayne met with key Congressional leaders and their staff well before passage of PPACA to attempt to affect change for the better.

Since 1987, Bayne has held various leadership positions in the Baltimore Association of Health Underwriters, is a past president of Maryland Association of Health Underwriters, and is former regional vice president of the National Association of Health Underwriters.

Bayne is an engaging public speaker, who has conducted thousands of hours of outreach and educational meetings in professional and community forums. Among his expertise is deep knowledge of the evolving health care reform landscape.

Known as a health reform and strategy expert, Bayne pores over thousands of pages of information each week, drawing on his unique talent for quickly digesting and interpreting complicated legislation and regulations. Always straightforward and passionate, Bayne delivers complex concepts to various audiences, tailoring his message to each appropriately.

Legislators, employers, insurance, human resources, accounting and legal professionals rely on his determinations of the true effects of these matters to calculate how best to proceed.

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Dawn Morgan, RHU, Vice President

Dawn Morgan, vice president at Benefit Indemnity Corporation, provides self-funding education and consultation, including integrated wellness programs. She has worked in the insurance industry for more than two decades, specializing in group health coverage, especially employer-sponsored self-funded plans.

Morgan has been a certified insurance continuing education speaker since 1995 in the Mid-Atlantic region. The topics she has provided continuing education on include Managed Care, COBRA/HIPAA, Self Funding, MD SGR, Health Savings Accounts, Health Reimbursement Arrangements and others.

She earned her Registered Health Underwriter (RHU) designation in 2004.

Morgan is dedicated to educating consumers, employers and insurance agents on the best methods for financing healthcare within the current system and beyond.


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Dan Single, Senior Sales Consultant

Dan Single is a senior consultant at BIC, where he works closely with agents and brokers, as well as the businesses they serve. Single is an expert in delivering the best options for their success in a post-PPACA world, using self-funded benefit strategies, a vast array of resources and cutting-edge technology.

Single has one goal: Helping insurance brokers share with their clients an innovative employee benefits program that will attract talent, provide employees with flexible and affordable coverage options, and save employers money.

He brings more than 16 years of business experience to his job, including five years as a broker representative and three years as sales support team leader for the former Client First Brokerage Services.


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Daniela Sartori, Sales Coordinator

Daniela Sartori is sales coordinator at BIC, where she is a key front-line contact with brokers seeking to explore and identify appropriate self-funded coverage options, enroll groups and support their clients’ employee benefits plans. She works tirelessly to help brokers and the employee groups they serve to obtain the best employee benefits programs available. She provides valuable support and expertise to make the design and enrollment processes as easy as possible for everyone involved.

She has 18 years of experience in insurance, including work as office and account manager at an insurance brokers, and four years as account manager and renewal specialist for the former Client First Brokerage Services.


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Beth Lesley, Underwriting Coordinator

Beth Lesley is an underwriting coordinator for BIC, helping to ensure that brokers successfully collect the data necessary for submission and implementation of employee benefits plans. She has worked for several Baltimore companies, serving as an underwriting liaison, account manager, information exchange analyst, marketing coordinator and quality consultant since 1988.


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Dana Thomas, Marketing Director

Dana Thomas is the marketing director at BIC, where she takes part in creating marketing strategies and implements company initiatives through various email, marketing and branding campaigns - including print and digital advertising.

She has 11 years of experience in insurance marketing, including Design Specialist at Group Benefit Services and four years as Advertising and Marketing Assistant for the former Client First Brokerage Services.


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Bob Graham, Marketing Consultant

Bob Graham provides marketing and branding expertise to Benefit Indemnity Corporation.

Graham has developed and managed successful marketing and branding campaigns that connect companies and organizations with their ideal clients. By focusing on their ideal clients – the people who want and need what they are selling – Graham is able to help businesses reach their target audience in an efficient and cost-effective manner. His clients range from start-up technology firms and one-employee businesses to national and international companies.

He has spoken to small business groups on a wide range of topics, including how to ensure a ROI from small business marketing, how to effectively use LinkedIn, Facebook and Twitter, and protecting and enriching your personal brand.

Previously, Graham served as a public relations manager for an international homeschooling company and as a spokesman for a state agency in Maryland. He has written speeches for high-level state officials, company executives and others. He has prepared people for interviews in various media, including CBS Marketwatch, the New York Times and Washington Post.

During his tenure as a print journalist and editor, Graham wrote about a number of businesses in articles appearing in a variety of newspapers and magazines, including the Baltimore Sun, Insurance & Financial Advisor, and Entrepreneur’s Business Start-Ups. He also has authored news, features, business and real estate articles, as well as commentaries, humor pieces and articles for and about the Internet. While employed as a full-time freelance writer, Graham co-authored the first travel book about Baltimore, The Insiders’ Guide to Baltimore, published in August 1998.

The wide range of experience in marketing, writing and public relations provides Graham with unique expertise that he uses to help businesses grow.


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