Richard “Ricky” Lott joined Insurance Office of America as branch representative and vice president in May 2005. Ricky started IOA’s Birmingham branch along with his son Andy, a producer, and Diane Brayman, who currently serves as regional director of operations. He has a passion and a proficiency for bringing young and new people into the business that has played a key role in the branch’s significant growth since its start.

Ricky entered the insurance world in 1982 starting on the life and health side of the business. He has been a property and casualty producer since 1992. Ricky served on the Birmingham Independent Insurance Agents Association Board of Directors and was its president in 2005. He was appointed to the IOA Board of Directors in 2010 and was also awarded Partner of the Year that same year. Ricky was named a regional president in 2013.

Ricky earned his bachelor’s degree in business from the University of Alabama at Birmingham.