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Resort Properties

Gregory & Appel’s insurance specialists have covered some of the top timeshare, resort and community developments for more than 25 years.

As a member of the American Resort Development Association (ARDA) and the Community Associations Institute (CAI), Timeshare Board Members Association (TBMA), National Ski Resort Association (NSRA), and Midwest Ski Area Association (MSSA), G&A understands the unique coverages that vacation ownership properties require.

We strive to provide the best protection for your resort properties at the best possible rate. From Florida, Georgia and South Carolina to California and Hawaii, we help resort developers and property managers across the nation maximize resort safety and minimize claims.

Client Anecdote: A busy property manager maintained insurance for resorts in California, Hawaii, Nevada, Texas and Utah. Each development had a separate insurance plan with various effective dates, carriers and coverages — a hodgepodge of policies that posed an administrative challenge. By taking a holistic approach and consolidating policies, Gregory & Appel saved the property manager a significant amount of money, eliminated coverage gaps and overlaps, and simplified the administrative process.


Products & Services

Specialty Coverages

  • Errors & Omissions
  • Directors & Officers Liability
  • Coverage for Foreign Properties



Scott has over 30 years in the insurance industry as an underwriter, producer and consultant. He specializes in commercial risks in the resort industry, education, and manufacturing and contracting operations, and has developed and administered insurance programs for trade associations on a state and national level.   

Scott serves on the Risk Management Committee for Butler University, and is a member of the advisory Board for Butler University’s Davey Risk Management and Insurance Program. He has earned designations as a Certified Insurance Counselor (CIC), Certified Risk Manager (CRM) and Certified School Risk Manager (CSRM). He serves on the board of advisors for Our Lady of Grace Monastery, St. Paul Hermitage and the Benedictine Inn. He has a BS degree in Business Administration from Ball State University, and is a licensed agent

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 Terry is a second generation insurance industry professional within the Property & Casualty Practice at Gregory & Appel Insurance. He specializes in enterprise risk management for resort and property management, manufacturing, contracting and technology operations.   

Prior to joining Gregory & Appel, Terry worked several years within the independent agency realm achieving the title of Vice President where he oversaw sales growth within the Property & Casualty Unit and developed a passion for creating strong client partnerships and fostering advocacy throughout the entire risk management process. He spent four years as a Product Specialist for Johnson & Johnson, routinely advising his surgeon and physician base of new technological advancements in medicine, product updates and timely competitive insights. Terry’s dedication to client advocacy stems from his experience as a former Deputy District Attorney for Denver County in Denver, Colorado.

Terry earned his B.A. in Electronic Media from Xavier University, J.D. from the University of Denver Sturm College of Law and holds his Indiana Agents License. He is an active committee member of Score for the Kids at Riley, an annual charitable golfing event benefitting Riley Hospital for Children.
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Did you know?
In 1923, Tommy Milton won the Indianapolis 500 driving for the H.C.S. Motor Company. (L-R) Tommy Milton, Harry C. Stutz, and teammate Howdy Wilcox.