Hardscuffle, Inc. Mission Statement, Ethical Principles, and Principles of Ethical Market Conduct


Mission Statement

We will operate Hardscuffle and its subsidiaries at the highest level of regulatory and ethical excellence to deliver long-term, tax-favorable returns to its shareholders by:

    • Investing assets as a long-term, buy-and-hold investor, owning operating companies, common stocks, bonds, and other assets as deemed appropriate;
    • Expanding the company through selective acquisitions in order to thrive flexibly and sustainably in the future;
    • Maintaining a portfolio of real estate holdings for long-term gain, while managing that real estate with a focus on stewardship and sustainability;
    • Supporting the region as a responsible citizen, landowner, and donor; and
    • Insuring Hardscuffle’s perpetual existence.

Ethical Principles

  • We will deal fairly and honestly with all people and treat each as we would expect each to treat us if the situation were reversed.
  • We will trust and respect each other and maintain an environment where people may question a Company practice without fear.
  • We will respect the dignity of each individual.
  • We will not pursue any business opportunity in violation of the law or these principles.
  • We will undertake only those business activities that will withstand public ethical scrutiny and our own standards of integrity.
  • We will disclose any conflict of interest we may have (including, but not limited to, those resulting from outside business activities and/or volunteer work) regarding our responsibilities to the Company and remove the conflict where required.

Principles of Ethical Market Conduct

In addition to the Company’s ethical principles, we fully support the following principles of ethical market conduct:

  • We will conduct business according to high standards of honesty and fairness and will render that service to our customers which, in the same circumstances, we would apply to our demand for ourselves.
  • We will provide competent and customer-focused sales and service.
  • We will engage in active and fair competition.
  • We will provide advertising and sales materials that are clear as to purpose and honest and fair as to content.
  • We will provide for fair and expeditious handling of customer complaints and disputes.
  • We will maintain a system of supervision and review that is reasonable designed to achieve compliance with these principles of ethical market conduct.


Hardscuffle’s Commitment to Community

Hardscuffle, Inc. /American Life & Accident has a longstanding civic commitment to Louisville, Kentucky. The Companies’ strategy for financial and in-kind support of non-profit organizations is to perpetuate the traditions and values of the Companies, with primary consideration given to:

  • Organizations that reflect the shareholders’ longtime interest in the relationship of horse, to land, and to performance
  • Partnerships with environmental, energy efficient, land conservation, and stewardship programs that are in line with the Companies’ agrarian interests and commitment to the protection of the earth’s resources
  • Organizations to which employees, shareholders and members of the board give volunteer time and financial support
  • Preservation and design projects that reflect the Companies’ interest in architecture and urban planning
    • Green Roof
    • Permeable Plaza
  • Education, art and human service groups that enhance the quality of life


In 2009, Nana Lampton had decided to repair and improve the Mies building on the riverfront, and in re-doing the roof, wanted to add a green roof.

Turner Construction, the general contractor, asked Louisville company, American Roofing, the Johns-Manville company, a vendor that helped Millennium Park in Chicago, the growers of sedum in mats, and Bernheim Forest to grow the 500 native plants that could endure urban extremes to join as a team.

In one year, the combination of four inches of soil – a loose mixture, the mats of sedum, and the three test beds, cut the utility costs by one-third, consistently, even through the most extreme heat.

  • Run-off saved over 50% of drainage into storm sewers.
  • The transpiration of native plants “eats up”more CO2.
  • An in-place irrigation system aids during  droughts.
  • The blooms continue into the third week of October, attracting bees to the hive and many kinds of birds.
  • From above, in the towers, the tenants look out on a green park.


By Courier-Journal’s Sheldon S. Shafer, 2017

The site of the signature rust-colored, steel building that is the headquarters of the American Life & Accident Insurance Co. of Kentucky is getting a major environmental- related upgrade.

The building, the centerpiece of Riverfront Plaza, was the last one designed by noted architect Mies Van der Rohe before his death in 1969. He is widely viewed as a pioneer of modern architecture.

The plaza at the riverfront site at 471 W. Main St. has been fenced off so work can begin. The plaza is being reconstructed in an effort to create what the designers call “a sustainable environment for the entire building campus that was begun with the creation of a sustainable roof garden for the building in 2009.”

Nana Lampton, chief executive officer of American Life, for many years has focused on developing at the location an environmentally friendly urban atmosphere and, according to a news release, has used the structure “as a model for adapting a building for energy efficiency and green infrastructure.”

She said in an interview that the plaza work should take no more than six months and will cost more than $1 million. The rust-appearing, steel building has 128,000 square feet of space and is fully occupied with at least a dozen tenants.
She said the project does not include any work on the exterior of the structure and is intended “to strictly rebuild the plaza.” A protective fence has been put up around the building’s entire perimeter, but people who work in the building will be able to come and go without restriction.

The building opened on the Riverfront Plaza and Belvedere in 1973.

John Carman, of the landscape architectural company CARMAN that is the lead design firm for the project, said the plaza reconstruction will fully respect the design created by Van der Rohe “with the simplicity of materials and the respect of the plinth created for the plaza as an object in the meadow that is iconic to Van der Rohe’s urban buildings.”

Carman said the new permeable and recycled materials for the plaza will reduce storm-water discharge into the combined sewer system. He said the materials will be of a similar texture and color of the original terrazzo used for the plaza’s construction.