Seibels Management
Michael A. Culbertson, CPCU, AIC
President
Michael Culbertson, President, is a talented insurance professional with vast institutional knowledge who has earned the strong respect of his colleagues at Seibels and the insurance industry at large.
A seasoned insurance executive, Culbertson has 40 years of insurance experience with emphasis in claims and operations. Prior to his current position, he has played an integral role in Seibels Bruce's businesses, from managing insurance operations and crafting strategic marketing alliances to creating the Company's claim-handling services division.
Culbertson received a Bachelor of Science degree in Finance and Insurance from the University of South Carolina, and holds a Certificate in General Insurance, Associate in Claims and a CPCU designation.
 Bryan D. Rivers, CPA
Chief Financial Officer and Treasurer
Bryan Rivers, Chief Financial Officer, directs the Company's accounting, finance and treasury management activities. He is also responsible for the Company's financial reporting to management, the Board of Directors and shareholders, as well as its statutory financial reporting to various departments of insurance.
Rivers joined Seibels in 1999 as Controller after working eight years with a national accounting firm where he gained experience with a wide range of accounting, auditing and business advisory services. He was promoted to Treasurer and Controller in 2002 and to Chief Financial Officer in 2007. Rivers graduated Magna Cum Laude and Phi Beta Kappa from Wofford College in Spartanburg, South Carolina, with a major in Accounting. He is a member of the American Institute of Certified Public Accountants and the South Carolina Association of Certified Public Accountants.
 Michael E. Krause
Vice President
Business Development
Mike Krause is a knowledgeable insurance professional with a solid background in management, systems, and sales. Krause is responsible for directing the business development and marketing efforts for the ITO, BPO and professional services as well as the software products.
Krause has experience in the property and casualty insurance field with Allstate and CNA serving in various management positions in Underwriting, Claims, and Operations. He has been in the insurance services field for over 30 years where he managed system development, client services, quality assurance and sales and marketing areas. Originally from Charlotte, NC, he attended Central Piedmont College.
 Stephen T. Harding
Vice President
Insurance Management Services
Steve Harding is responsible for the Company’s Business Process Outsourcing division. He has over 20 years experience directing underwriting and claims operations in the property and casualty field.
Harding joined Seibels in 1996 as policy processing manager for the South Carolina Reinsurance Facility servicing contract. He was promoted to vice president of South Carolina automobile operations in 1998; vice president, underwriting, in 2000; and vice president, services, in 2001. In 2004, he was given responsibility for the Business Process Outsourcing activities of the company. His experiences include personal automobile, homeowners and dwelling fire, and commercial lines.
Prior to joining Seibels in August 1996, Steve spent over eight years with GEICO in personal lines claims, sales and customer service. Steve's current role as vice president, insurance management services, allows him to bring together the knowledge he has gained in the insurance industry to benefit Seibels and its customers.
Harding received a bachelor of Business Administration with a major in Finance from Florida Atlantic University.
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