The PCL Team

, President, has over 35 years of experience helping contractors establish and expand their surety lines of credit. He worked for eight years as an underwriter and bond manager for USF&G and Hartford, and four years for a full lines insurance agency before joining PCL in 1985. Clem served as a director for Associated Builders and Contractors-North Texas from 2005-2008. In August 2007, ABC-NT presented him with the "Excellence in Government Award," recognizing him for his ongoing commitment and efforts on behalf of ABC, its members, and the construction industry in the areas of legislation and political action. He continues to be involved in Government Affairs at TEXO, the DFW area chapter of ABC and AGC. Clem is a member of the American Institute of Constructors. Prior to earning his business degree from the University of Wisconsin in Milwaukee, he spent part of his military duty in the U.S. Army Corps of Engineers working at NATO sites in Europe.

, started his surety career in 1989 in Tempe, Arizona, and moved to the Dallas area in 1993. Prior to joining PCL, Steven was a contract bond underwriter in the Dallas/Fort Worth area, working for several surety companies. This underwriting experience gives him an excellent perspective on agent-underwriter relationships, and on handling the needs of a wide variety of contractors. With a proven track record in both underwriting and as a producer, Steven joined PCL's ownership group in March 2008.

earned a degree in Economics from California State University at Northridge, and started his career in the surety industry in California and Arizona before moving to Texas in 1992. He served as Senior Contract Underwriter for RLI Insurance Company in Dallas for nine years, and for Old Republic Surety Company before joining PCL in June 2008. Michael was named Vice President-Operations in January 2010. Michael earned his AFSB (Associate in Fidelity and Surety Bonding) in 1997. Although he specializes in surety, he is also familiar with insurance and risk management, having earned his CPCU (Chartered Property Casualty Underwriter), ARM (Associate in Risk Management) and AIC (Associate in Claims), and CRIS (Construction Risk & Insurance Specialist).

joined PCL as a producer in September 2008. Eric graduated from The University of Texas at Arlington in 1999 with a degree in Electrical Engineering. While attending college, he worked for a controls contractor doing Computer Aided Drafting (CAD) and Supervisory Controls And Data Acquisition (SCADA) development. After graduation, he worked for nine years at Lockheed Martin doing Electrical and Software Engineering for a variety of missile systems.

Roger Bales started his career in the surety industry with Safeco Insurance Co. in 1990. He graduated from Stephen F. Austin University where he received a degree in Economics and Finance, and is certified as an Associate in Fidelity and Surety Bonding (AFSB). He has a broad range of experience having worked as both a construction bond underwriter and as a construction bond agent with over 21 years in the industry. He is a native of the Dallas Metroplex. Roger's broad range of knowledge and familiarity of the North Texas construction marketplace will put him in the position to deliver exceptional service to our PCL clients.

Pat Pinchback and Lisa Borhaug Pat and Lisa primary responsibility is to spoil PCL's clients. They receive and process bond requests, prepare bonds and arrange for delivery, follow up for bid results, assist clients in closing bonds, report bonds to the sureties, and keep PCL's producers informed of activity pertaining to their clients. As well as assisting PCL's clients, producers and owners, they serve as the agency's liaison with bond technicians at the surety companies. has been with PCL since March 2002. She worked previously at Travelers Bond in Houston. joined PCL in January 2009, and earned her General Lines insurance license in April. Lisa has experience in customer service, most recently at a local insurance agency.