Employee Spotlight



Jill Graham – Transfer Bond Specialist

My career at Bail USA began back in December of 1986.  Prior to that I had worked in a local store selling lottery tickets and newspapers.  One of my daily customers was Harvey Childs – the owner and President of Bail USA.  I worked the early morning shift and often when he came in, I would be yawning, and he asked me why I was tired.  I explained that I was taking computer courses at night and then had to get up early to be at work. He said he and Cheryl Burns were looking for someone with computer knowledge for their office.  I interviewed with Cheryl and started a new job and new life!  I have worked in several capacities at Bail USA, such as data entry, reception work and even got my Property and Casualty license to write bail for a few years.  In 2012, I moved to the Transfer Bond department and have been there ever since.  Working at Bail USA has been an amazing life for me – under the leadership of Harvey and Cheryl, I watched the company grow teaching me more than I ever thought was possible. I love to work with the agents to make their job easier to serve their customers.  Coordinating bond postings between two agents in different areas may seem mundane, but in the world of transfer bonds, you never know what you may run into. I strive to do my best to work with both sides of the posting and get the job done as quickly as possible, understanding the time is of essence in getting the job done on a timely basis.  Serving the agents results in them serving their customer and helping those going through a difficult time with their loved ones.  Having the opportunity to meet so many agents face to face in the past at Bail USA conventions has resulted in wonderful friendships with agents over the years.  I enjoy talking, listening, laughing with the agents and am always trying to put a face to that voice!  I wish I could meet them all.  It has been my pleasure to have this job for so many years and my hope for a few more years – I am grateful for the opportunity God has given me to work here and to help people.

When I am not working, I love spending time with my family.  My husband Ron (whom I have been married to for 45 years) just retired and we are avid campers.  We love to camp locally at Pymatuming State Park and take at least one extended camping trip yearly.  As I move closer to retirement, we plan on increasing those trips.  We love the outdoors and spending time with our family.  We have a daughter Monica who is married and lives in Pittsburgh, PA. She and Corey have two wonderful daughters, Lonna who is a sophomore at Shippensburg University in PA and Eden who is a junior in high school.  Our son, Ron Jr, is a federal firefighter at the Youngstown Air Force Reserve base in OH and a part time firefighter here in Greenville.  He has two daughters – Addisyn who is 12 and Emma who is 5.  They are all the loves of my life and I enjoy time watching the girls in their various activities and watching them grow!  I have lived in Greenville all my life, except for 3 years when Ron was in the service.  I have two older brothers and an older sister who also live here in town, along with nieces, nephews and greats – very blessed to have family around.   I also love music, occasional play piano and sing in the quartet who provides music for our worship at church.  Singing is my other passion and God blessed me with a voice that I use to praise him.  My favorite TV shows are the NCIS series – love all three!!!  Favorite movie – too many to choose from, but I love musicals and comedy.  Sports – I do not really care much for except I do enjoy watching Clemson football!   Favorite holiday would have to be Christmas and celebrating the birth of Jesus!

Being a part of the bail team of Crum & Forster is a job that I love and will always cherish to have had the opportunity to serve others in this way!



Rosa Toledo – Forfeiture Specialist

My career in the bail business started in 1981 with Accredited Surety and Casualty Company after 7 years in the banking industry. I worked full time for 8 years then went part time when my two children started school so I could always be home when they got out of school, as family means the world to me. In a blink of an eye… they were grown up and I starting working full time again. I’ve worked hard in the Bail Department and forfeitures, working closely with the agents and clerk of courts.

I stayed with Accredited for many years, working with some wonderful agents and co-workers until sadly…. Accredited decided to part with the Bail portion of their business, however, it was a happy ending as it lead me to Crum & Forester. My son also got interested in the Bail world and became an agent 12 years ago and he also loves it as much as I do.

I’d say my favorite Holiday would be the 4th of July, when we get to have a Huge Family Reunion every year in Siesta Key, Fl. I enjoy spending every moment I get with my 4 grandchildren!

Family will always mean everything to me and I’m very happy to be part of the Crum & Forester Family!