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About Us


Encore Special Risks, LLC enters Texas as a new MGA in early 2016.  Our experienced ownership, management and underwriting team brings a wealth of experience to our future retail agency partners.  Our unique portfolio of reinsured programs will be offered on a highly automated platform and include:

·         Texas Admitted Preferred Homeowners Program

·         Texas Business Auto Program

·         Motor Truck Cargo Program TX, CA

·         Texas Local and Intermediate Trucking Program - Coming Soon

·         Texas Non-Admitted Homeowners Program - Coming Soon

·         All Programs “A” Rated by A.M. Best Company, Inc.

Management and Underwriting

Jim Whited

Location: Richardson, TX


The successful entrepreneurial career of Jim Whited spans decades and varied insurance industry disciplines. His innovations in the trucking and non-standard automobile arena, utilizing technology and reinsured company facilities, has led to the creation of many successful retail, MGA, captive, claims, and technology companies. These entities have provided legendary customer service to retail agency clients in several states throughout the country. This exceptional customer service often delivered in the form of unique technology platforms, have become an integral component of every single Whited organization and a vital part of company internal branding.


In 1990 Jim Whited, as Chairman, created American Southwest Insurance Managers - a Texas based MGA offering non-standard personal auto coverages via reinsured programs.  Over the years American Southwest became the flagship company in the Whited organization, producing business distributed by retail insurance agents in Texas, Florida, and California. Technology and customer service were keynote to the American Southwest strategy and ultimately proved to be a solid business approach, producing above industry results reflected in superior profit margins, sustainable growth, and product diversity.


In February of 2011, as American Southwest Insurance Managers approached the pinnacle of success, becoming one of the largest non-standard auto operations in the US ceding over $2B in premium to reinsurers, it was acquired by AmWINS in a landmark industry transaction. This acquisition combined the strengths of two outstanding insurance industry organization creating unique new business opportunities and product dynamics. AmWINS is a global insurance operation producing over 6 billion in premium writings internationally in 17 countries.  Mr. Whited is currently actively involved in the non-standard automobile operations, in an advisory and general oversight capacity.


Tammy Summers

Position:  Transportation Program Manager

Location:   Richardson, TX


Tammy Summers serves as Transportation Program Manager for Encore Special Risk. She has more than 30 years of progressively responsible experience in Transportation Program Design and implementation. Tammy has led numerous transportation programs through start-up, initial business development and growth modes.


Tammy is an accomplished underwriting professional with experience managing complex accounts, structuring London, Domestic and Reinsured programs always emphasizing excellent customer service. Her background includes holding the pen for both Admitted and Non-admitted companies. In addition, Tammy is a skilled communicator and has served in various leadership roles throughout her career.  She excels at building relationships with Agents, Brokers and markets and has an extensive working knowledge of all aspects of transportation based business.


Among her significant previous accomplishments, Tammy has excelled in department administration, audit’s and was assigned as company liaison for compliance and regulatory filings.


Tammy is completing her CIC designation. She is also a licensed Property & Casualty agent in Texas and holds a Texas Surplus Lines License.

Jo Anna Dollarhide

Position:  Sr. Underwriting Specialist

Location: Richardson, TX


Jo Anna has accomplished over 25 years’ experience in the industry from both the carrier and retail agency perspective.  Jo Anna’s expertise includes underwriting, account management, customer service, business development, marketing and sales.


Prior to joining Encore Special Risk, Jo Anna served as a senior personal lines underwriter with Hallmark Financial Services, Inc.  Prior to Hallmark she achieved the national honor of earning the top sales position for personal lines products at Countrywide Financial Services, Inc.  Jo Anna also spent twelve years as a commercial lines account executive working at Wausau, Arthur J Gallagher & Co. and other retail agencies handling many complex large commercial and national accounts.  


Jo Anna earned her Bachelors’ degree specializing in Insurance and Risk Management from the University of North Texas in Denton, Texas.  She also holds the Accredited Customer Service Representative, ACSR, designation and is completing the Certified Insurance Counselor, CIC, designation.  Jo Anna is a licensed Property and Casualty agent in Texas and is dedicated to professional service in all aspects of her insurance industry career endeavors.





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