Markets

From the Front Lines: Directors & Officers

Independent agent Rick Brownell Jr. joined his family’s agency 12 years ago and predicts that directors & officers insurance is “only going to become more important. A lot of responsibilities are being placed on boards to make more decisions.”

From the Front Lines: Commercial Umbrella

Before moving into insurance, Jeffrey W. Howard was an accountant. “In the public accounting world, you find a lot of issues with a company, but because of your required independence, you’re not allowed to consult and help fix that. That really irked me,

From the Front Lines: Environmental Liability

After starting her insurance career as a receptionist, Annie Johnson quickly moved up the ranks as a CSR and later joined The Hanover as a direct sales agent—until she and her husband decided they wanted to move back to Alaska and open an agency in their

From the Front Lines: Media Liability

Independent agent Mike Davis is a third-generation insurance agent. When Georgia passed a tax credit incentive for film and television production in the late 2000s, “we saw a huge opportunity,” he says.

From the Front Lines: Builders Risk

Independent agent Shelli Lucus-Kennedy comes from a family of developers. “I speak builder,” she says—and that has helped her carve out a significant niche in the construction industry over the course of her 40-year insurance career.

From the Front Lines: Special Events

Independent agent Robert Holmes is a meteorologist by education—and that unique background gives him a leg up when it comes to providing rain and event cancellation insurance for fairs, festivals and concerts.

From the Front Lines: Liquor Liability

Many smaller restaurants only serve a little bit of wine or beer—and therefore don’t think they need liquor liability insurance. But “that doesn’t exclude you from having a claim,” says independent agent Melinda Langworthy. “I still recommend getting the

From the Front Lines: Personal Auto

To succeed in the most competitive insurance market, independent agent Mike Crowley de-emphasizes price “from the point of sale all the way through the process.”

From the Front Lines: Professional Liability

Since starting her insurance career in her dad’s agency at age 14, independent agent Nancy Nicklow has discovered there’s more to professional liability risk than meets the eye.

From the Front Lines: High Net-Worth Personal Lines

Independent agent R. Todd Rockefeller was selling commercial package professional insurance to CFOs in New York City when he decided to shift his focus to something they seemed more passionate about: their high net-worth personal lines needs.

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