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Declaration of Independents: Marianne Speakman

Starting out in the insurance industry in 1981 with The St. Paul Insurance Company in New Jersey right out of high school, Marianne Speakman worked her way up from file clerk to independent agency owner.

From the Front Lines: Marine

“Seek out an agent that specializes in personal marine insurance and learn the business,” says independent agent Roger Beale. “In a marine policy, one line removed out of the policy can change the coverage.”

From the Front Lines: Commercial Auto

The biggest trend in commercial auto insurance is “increasing claims costs,” says independent agent Larry St. John. “Courts are deciding that the primary factor in major bodily injury claims is often distracted driving and the courts now believe an insure

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