Florida Bar Board Certified
AV Rated – Martindale-Hubbell

Travis Miller practices primarily insurance regulatory law, business and transactional law, and administrative law. He regularly assists insurance companies and other regulated parties before the Florida Office of Insurance Regulation and the Florida Department of Financial Services. In addition, Travis provides counsel and general representation to members of the insurance industry in their regulatory affairs and business transactions.

Travis is Board Certified by The Florida Bar in State and Federal Administrative and Governmental Practice. He holds the highest rating for competence and ethics (AV) from Martindale-Hubbell, has been listed as a top insurance lawyer in Florida by Chambers USA and has been named one of Florida’s top insurance and reinsurance lawyers by Who’s Who Legal: Florida. Travis is one of the founding shareholders of Radey Thomas Yon & Clark and was elected president of the firm in June 2009.

Travis has substantial experience consulting with property and casualty insurers, life and annuity companies, and health insurers. He also regularly assists specialty insurers, premium finance companies, managing general agencies, insurance agencies, third party administrators and other organizations involved in the insurance industry. Travis’ representations have covered the full range of insurers’ business cycles, from formation and start-up to withdrawal and wind-down. He has guided numerous new insurers through the formation process, including the organization of holding companies, managing general agencies and other related organizations and obtaining regulatory approvals from the Office of Insurance Regulation. Travis also assisted both buyers and sellers through the acquisition process, beginning with the negotiation and development of the agreements and progressing through the submission and approval of regulatory filings. At the end of the business cycle, Travis has helped insurers prepare and gain Office of Insurance Regulation approval of withdrawal plans.

Travis has guided many insurers through the product review and approval process at the Florida Office of Insurance Regulation, including the development or revision of product forms, rate filings and underwriting manuals. He also uses his educational background in accounting and finance to assist insurers with financial reporting and investment issues before the Office of Insurance Regulation’s Financial Oversight section. Travis also frequently helps insurers respond to regulatory inquiries or investigations and resolve issues presented by the Office of Insurance Regulation or Department of Financial Services.

The Florida legislature enacts far-reaching changes to the Insurance Code almost every year. Travis has worked with insurers to develop public policy strategies and in monitoring potential legislative changes, including analysis of legislative changes on insurers’ existing business or market plans. After each legislative session, Travis is engaged in insurers’ implementation of legislative changes and development of compliance programs to accommodate new regulatory requirements.

Over the last fifteen years, Travis has been privileged to represent the insurance industry through some of its most significant changes. These most recently have included issues such as reviewing the implementation for Florida’s mitigation discount program and assisting insurers in complying with Medicare Secondary Payer reporting requirements. Travis also has been involved in topics such as the use of hurricane models in insurance ratemaking, the use of credit scoring in insurance rates and underwriting, and OFAC compliance. With the cyclical nature of insurance markets and Florida’s ever-changing regulatory landscape, Travis works with the industry to proactively meet challenges that arise.

Education

• Florida State University College of Law
• Honors: With Highest Honors
• Order of the Coif
• Law Review: Best Student Law Review Article, Volume 20, 1992 – 1993
• Florida State University, B.S. Accounting and Finance
• Honors: Summa Cum Laude
• FSU’s Outstanding Male Student
• Outstanding Accounting Scholar

Areas of Experience

• Regulatory Consulting and Strategic Planning
• Insurance Company Formations and Acquisitions
• Product Filings
• Financial Examinations
• Market Conduct Examinations
• Reinsurance Transactions
• Producer Licensing
• Surplus Lines Insurance
• Premium Finance
• Prepaid Limited Health Service Organizations
• Service Agreement (Warranty) Companies
• Out of State Group Insurance
• Administrative Disputes
• Rule Challenges
• Governmental Consulting and Legislative Monitoring
• Corporate Governance
• Business Transactions

Professional Experiences

• Radey Thomas Yon & Clark, P.A., President, 2009 – Present
• Radey Thomas Yon & Clark, P.A., Shareholder, 2003 – Present
• Katz, Kutter, Alderman, Bryant & Yon, P.A., Shareholder, 1994 – 2003

Professional Associations and Memberships

• Advisory Board, Center for Insurance Research, Florida State University College of Business, Department of Risk Management & Insurance
• Federation of Regulatory Counsel
• Society of Financial Examiners
• Insurance Regulatory Examiners Society
• Association of Insurance Compliance Professionals
• Leadership Tallahassee (Class XVI)
• Trustee, Alpha Tau Omega (Epsilon Sigma) Board of Trustees
• Director, Alpha Tau Omega (Epsilon Sigma) Housing Corporation
• Director, Advent Parish Day School 2003-2008
• Seminole Boosters

Recent Publications and Presentations

• Aon Benfield Analytics Insights Conference, “Florida Insurance Uncovered,” New Orleans, July, 2011
• Contributing Author, Florida Insurance Report, 2003 – Present
• Contributing Author, Federation of Regulatory Counsel Alerts, 2001 – Present
• Playing by the Rules: New Twists in Florida Administrative Rulemaking, FORC Quarterly Journal of Law and Regulation, Vol. XXII, Edition 1, 2011
• Legal and Regulatory Issues in the Business of Insurance, Insurance Accounting & Systems Association, Miami, Florida, 2010
• Legal Aspects of Insurance, Florida State University College of Business, Tallahassee, Florida, 2010
• Interpretation and Implementation of Section 627.0629 and Associated Rules, Florida Commission on Hurricane Loss Projection Methodology, Tallahassee, Florida 2009
• Statutory Construction: Plain Meaning, Continuing Legal Education Seminar, Tallahassee, Florida, 2009
• Florida’s Valued Policy Law: Does a Homeowners Policy Cover Excluded Perils? FORC Quarterly Journal of Law and Regulation, Vol. XVI, Edition 2
• A New Regulatory Structure for Insurance and Financial Services in Florida, FORC Quarterly Journal of Insurance Law and Regulation, Vol. XIII, Edition 3
• Credit Information: Expanding Uses, New Questions, Florida Underwriter, Volume 19, Number 4
• The Internet: New Opportunities, New Questions, Florida Underwriter, Volume 18, Number 4
• Legislative and Legal Trends Affecting the Insurance Industry, Orlando, Florida