8 INTERVIEW WITH JUDE TUMA
Investor and strategist Jude Tuma discusses scaling independent agencies with purpose and what fuels his optimism for the independent agency channel. 12 BLIND HIRING: A KEY TO TOP PERFORMANCE
Diverse teams drive business success. Read this article to learn how blind hiring can be used to develop a diverse talent pipeline.
My two-year term as chair of the board is nearing its end (later this summer). With that in mind, I’ve been reflecting on the recent accomplishments of our agents’ association. One of the strategic initiatives that I’m most proud of is IA&B’s commitment to recruiting and educating diverse new talent.
This entails the late 2023 creation of a new position – IA&B Director of Career Services, a full-time recruiter – and the January 2025 launch of the Insuring Careers Certification Program (ICCP), a point of entry into the insurance industry that prepares newcomers to be successful agency contributors.
Industry perpetuation has been a hot topic for years, and I’m ecstatic that we’re moving the mark and recognizing the importance of incorporating diversity – diversity of experiences and backgrounds, ethnicities and races, education and ages.
This issue of Primary Agent sheds light on ways that all of us, in our individual agencies, can improve our outreach to diverse communities, for hiring and for prospecting. On the next page, read Don’s Discussion for insights on using translation and interpreting services to reach underserved populations. Then in the cover interview, hear from Jude Tuma, owner of IA&B Member Agency A to Z Insurance, on his agency’s commitment to serving Latino and other minority communities. And on page 12, learn how “blind hiring” strategies can help you build a more diverse team.
To succeed at recruiting diverse new talent and building teams that better reflect and serve our communities, we need to play the long game. And I’m confident that if we’re all on the same team, striving toward the same goal, we will win.
Until next time,
Sarah Brown, CIC, CRM, AFIS Chair of the Board
INSURANCE AGENTS & BROKERS
650 Wilson Lane, Suite 200 Mechanicsburg, PA 17055
191 Main Street, Annapolis, MD 21401 800-998-9644 | IABforME.com
Sarah Brown, CIC, CRM, AFIS - Chair
Keller Brown Insurance Services | Shrewsbury, PA
Andrew Enders, Esq. - Vice Chair Enders | Harrisburg, PA
Greg Bennett Famous & Spang Associates Aberdeen, MD
Kate Dawson, CPIA Ferri Dawson Insurance Murrysville, PA
Michael Gaetano
The Hartman Group Montoursville, PA
Bruce D. Kraft, AAI, CIC Arbor Insurance Group Allentown, PA
Debra McAfee McAfee Insurance Agency, LLC Wilmington, DE
Michael McGroarty, Jr., CIC McGroarty & Bradburn Insurance Pittsburgh, PA
Shayne McIntosh, CIC JPI Insurance Associates Dillsburg, PA
Chris Miller, CIC
Miller Insurance Protection Team Jonestown, PA
Michael Papa, CIC, MBA Diversified Insurance Industries, Inc. Hunt Valley, MD
Lisa Parry, CPIA Parry Insurance Langhorne, PA
Bill Purdy Purdy Insurance Agency, Inc. Sunbury, PA
Kent Reynolds, CIC Blue Ridge Risk Partners LLC Hagerstown, MD
David Rivell, CIC, CRM Element Risk Management West Chester, PA
Jason Rodriguez, CIC Prominent Insurance Svcs Wilmington, DE
Donna Roper E K McConkey & Company York, PA
Ashley Stafford, CPIA Williams Insurance Agency, Inc. Rehoboth Beach, DE
Michael Thomas Lighthouse Insurance Svcs Gambrills, MD
Mike Ertel (PIA)
The Jacobs Company | Columbia, MD
Diana Hornung, CIC (IIABA)
IOA National, Inc. | Wilmington, DE
Mark Monroe (IIABA)
Element Risk Management | West Chester, PA
IA&B Legal & Corporate Affairs Director Don Bankus Are you a member with a question? Contact Don at 717-918-9204 or DonB@IABforME.com.
Could utilizing translation and interpreting services enhance our agency’s business opportunities?
In today’s increasingly globalized world, insurance agencies are recognizing the value of translation and interpreting services (T&I services) to expand business opportunities. With the rise of multicultural communities and the need for clear communication, T&I services could be an integral tool for the insurance industry. By leveraging these services, agencies may be better able to reach, serve and retain customers effectively who speak different languages, thereby enhancing market reach and fostering a sense of trust and loyalty within the community.
At times, using T&I services also may play a role in assisting with regulatory compliance and transparency. Accurate translation of policy documents and other critical information can help in establishing and maintaining trustworthy communication with customers, which could be essential for avoiding misunderstandings and ensuring customers more fully understand their coverages and obligations.
Using T&I services can also enhance the customer experience. Customers are more likely to feel valued and understood if they can communicate
in their preferred language. Such a personalized approach may improve customer satisfaction and set an agency apart from its competitors.
The integration of T&I services could also be a stimulus for new marketing ideas. Marketing materials and advertising campaigns could be tailored to resonate with different cultural groups and assist with engaging a more diverse audience. As a byproduct, by actively seeking to serve customers from various linguistic backgrounds, agencies can promote inclusivity and diversity, which not only benefits the customers, but also enriches the insurance industry.
While likely not a pragmatic or cost-effective option for everybody, the use of T&I services can be another tool for enhancing business opportunities. By effectively communicating with customers in their preferred language, improving customer experience, and, hopefully, expanding market reach, an agency can build a more successful business.
Of course, for agencies located in more integrated areas, the above concepts could be weaved directly into the fabric of the agency by
hiring a bilingual or multilingual individual, if the right opportunity presented itself.
When considering T&I services, protect your agency with a translation agreement. IA&B members can access a template agreement at IABforME.com/EO-prevention.
Rather listen?
Also available in audio format at IABforME.buzzsprout.com
This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Insurance Agents & Brokers nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.
By Bill Wilson
I had planned on writing about a different topic until 37 minutes ago when I read a social media post from a neighbor on the NextDoor app about a swimming pool collapse resulting from heavy rainfall where we live. This reminded me that I had a similar question from an agent a few months ago and, given recent storms and flooding across the country, I decided that perhaps it’s a good time to write about this issue. And, while this is a personal lines column, I’ll touch on the commercial lines side of the issue that you can share with co-workers.
An agent contacted me in January about a homeowners’ insured who had his in-ground pool drained in order to repair some tile, replace light fixtures, and rebuild the deck around the pool. The contractor drained the pool then did not return for two weeks. In the meantime, the area experienced significant rainfall, and the hydrostatic
pressure from the saturated ground around the pool caused it to collapse. In the case of prefab pools, the result can be a “popping” out of the ground.
Of course, the homeowner expected the pool contractor to make it right, but the contractor’s commercial general liability (CGL) insurer denied the claim, citing exclusion j.(6) in the ISO policy. Whether this or other CGL exclusions apply depend on the facts and circumstances of each claim, but my understanding of what happened leads me to believe that the carrier is correct in denying the claim based on several court cases I reviewed.
There are sometimes coverages that can be purchased for such claims, under the “pop-up” coverage banner, but I’ve never invested a lot of research time into such proprietary coverage forms to familiarize myself with typical
coverages and exclusions. In any case, it appears that the only recourse against the contractor could be a legal one unless the contractor willingly accepts liability or can find coverage under a performance bond.
In the meantime, the insured filed a claim under his homeowners’ policy, which happened to be ISO form HO 00 03 05 11. Unfortunately, the insurer denied the claim, citing two exclusions: Collapse and Water.
While there is a collapse exclusion in the form, some coverage is provided under the Additional Coverage –Collapse. Unfortunately, this coverage applies primarily to building collapses and, in the case of loss to a swimming pool, only if “the loss is a direct result of the collapse of a building or any part of a building.”
In the case of the Water exclusion, the specific portion of that exclusion that applies here is: “Water below the surface of the ground, including water which exerts pressure on, or seeps, leaks or flows through a building, sidewalk, driveway, patio, foundation, swimming pool or other structure….”
So, despite the agent’s best efforts, there is clearly not firstparty coverage under the homeowners’ policy and allegedly not coverage under the contractor’s CGL policy. Again, the homeowner’s only recourse appears to be to directly appeal to the contractor and perhaps get a regulatory body involved and/or the Better Business Bureau.
If you’d like to dig deeper into claims like this, visit the International Risk Management Institute’s website (irmi.com) and search for “Is Pool Pop-Out Excluded?” In addition, an often-cited court case involving pool pop-ups and collapses is Pekin Insurance Company v. Willett, 301 Ill. App. 3d 1034.
Bill Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of InsuranceCommentary.com and the author of six books, including the Amazon 4.8 star “When Words Collide…Resolving Insurance Coverage and Claims Disputes” which BookAuthority ranks as the #1 insurance book of all time. He can be reached at Bill@InsuranceCommentary.com.
Rather listen? Also available in audio format at IABforME.buzzsprout.com
Learn more about personal lines exposures in this upcoming live webinar, which touches on furnished vehicles, trailers, personal property, kids earning cash, watercraft, and more.
DEFINITION OF INSANITY: COMMON HOME AND AUTO EXPOSURES WE KNOW ARE THERE & DO NOTHING ABOUT
JUNE 10 9 AM -Noon
CE PA/DE: 3 GEN | MD: 3 PC
IA&B Members: $75 (save $30!)
Non-Members: $105 Register today. IABforME.com 800-998-9644, option 1
Are you or someone you know a rising star in our industry? Nominate yourself or someone else for the 2025 IA&B Young Agent Award.
IA&B will recognize three exceptional young agents – one each from Pennsylvania, Maryland, and Delaware – for this honor.
WHAT’S IN IT FOR THE WINNERS:
▲ Recognition at the award ceremony during the IA&B Young Agent Conference in October 2025
▲ Cover photo and interview in IA&B Primary Agent magazine, Young Agent issue
▲ Feature in video produced by IA&B
AWARD CRITERIA:
▲ Licensed P&C agent
▲ Employed for at least one year by an IA&B member agency in PA, MD, or DE
▲ 39 years old or younger on Oct. 1, 2025
▲ Made community contributions through volunteering or service
▲ Example of emerging-leader status in the field
▲ Participated in IA&B events, education, or other happenings
Nomination forms are due by Friday, June 20: IABforME.com/Agent-Award
Questions? Contact IA&B PR Director Karen Robison at KarenR@IABforME.com or 800-998-9644, ext. 606.
IA&B is pleased to announce the hire of Priscilla Williams as Insurance Placement Specialist. In this role, Williams will work with independent insurance agencies throughout Pennsylvania, Maryland, and Delaware to build insurance plans that protect their businesses.
“We’re thrilled to have Priscilla join our team,” said IA&B President & CEO Jason Ernest, Esq. “As a former independent agency owner herself, she understands the unique needs of our clients and prospects.”
Williams is a long-time Delaware resident with over 20 years of experience in the insurance and real estate industries.
IA&B members are welcome to contact Priscilla at 800-998-9644, ext. 803 or PriscillaW@IABforME.com.
Congratulations to Avery Hall Insurance, an IA&B member agency headquartered in Salisbury, MD, on its 100th anniversary! The business began out of Avery W. Hall’s farmhouse and now includes five locations and more than 100 employees. The agency will host an anniversary celebration on June 12 at its headquarters.
Is your agency celebrating a milestone anniversary? Whether it’s five years or 125 years in the business, we want to acknowledge your accomplishment. Email announcements and images to IA&B Public Relations Director KarenR@IABforME.com.
This was an extraordinary year for the Maryland General Assembly. State lawmakers shaped public
policy to deal with the twin forces of a sizeable $3 billion state budget deficit, coupled with federal actions under the new Administration that resulted in thousands of layoffs of federal employees and contractors in Maryland, as well as substantive reductions in grants and other federal funding.
Those financial challenges led to the passage of a budget that will apply a 3% sales tax to data and information technology services – a tax that IA&B opposed. In addition, IA&B was engaged on several other pieces of legislation affecting the P&C insurance industry, including limits on insurance rating factors, home improvement contractor reform, and changes to condominium coverage requirements.
Although the legislative session ended at midnight on April 7 with the constitutionally required balanced budget, there may be a special legislative session if further federal cuts result in a budget shortfall. Monitor Agent Headlines for updates.
Save the date! The 2025 IA&B Young Agent Conference will be held Oct. 15-16 at Bear Creek Mountain Resort in Macungie, PA. This annual event brings together an energetic, driven group of young agents who are actively seeking to develop their skills and careers. Watch IA&B communication and our website for more details and registration.
IABforME.online/YAconference
Trust Harford Mutual Insurance Group to provide comprehensive property and casualty insurance designed to protect what matters most to your policyholders— their business.
In addition to restaurants, we write a wide variety of Property & Casualty classes.
Scan the QR code to learn more.
Jude Tuma is co-founder of Embedded Capital, which recently acquired A to Z Insurance – an IA&B member agency with a longstanding focus on serving Delaware’s Spanish-speaking and minority communities.
Q: Tell us about your career path. How did it lead you to focus on scaling independent insurance agencies?
A. I’ve always been drawn to solving meaningful problems, and that curiosity has shaped my career. Early on, I founded a company that helped businesses make better decisions using data-driven models—what AI helps us do today. Later, I earned my MBA from The Wharton School and an MA in International Relations from the Lauder Institute at the University of Pennsylvania.
After grad school, I acquired my first insurance business—a 20-year-old specialty insurer focused on vehicle protection products. Over the next 12 years, I developed new products, modernized operations with technology, and acquired several specialty agencies. Along the way, I met my current partner, Paul Sims, who was also leading growth efforts in a similar space.
We founded Embedded Capital to bring that same level of innovation, efficiency, and strategy to independent insurance agencies, which share many of the same operational challenges and growth opportunities as our prior ventures.
Q: As an investor and strategist, what do you see as the biggest opportunities and threats facing independent agencies today?
A. Despite recent market headwinds, we’re incredibly optimistic about the future of independent agencies— especially the small to mid-sized firms that make up over 80% of the roughly 40,000 agencies across the United States.
While direct-to-consumer carriers and digital brokers have expanded, independent agencies are not going away. In fact, carriers have recognized that their most profitable business often comes through independent agents—just look at GEICO’s recent shift. These agents provide unmatched value by guiding clients through increasingly complex coverage decisions, especially as premiums rise due to factors like climate change and claims inflation.
Independent agencies have outpaced captive and direct channels in recent years, and we believe that growth will continue, particularly in commercial lines where complexity demands expertise.
Beyond industry tailwinds, agencies have a tremendous opportunity to adopt emerging technologies, expand into commercial lines, introduce new products, and grow through better talent acquisition. That’s where we come in. Many agency owners tell us the pace of change—especially in tech—is overwhelming. With our background, we help agencies modernize operations while freeing up their teams to focus on client service.
Unlike large private equity buyers, we’re flexible. Some agency owners want to retire, and we support that. Others want to stay involved but need help with technology, marketing, HR, and accounting. We offer a tailored partnership model that adapts to the needs of each owner—and that makes our work both impactful and interesting.
Q: Tell us about IA&B member A to Z Insurance, your first agency acquisition.
A. A to Z Insurance, with four offices across Delaware, was our first acquisition—and an exciting one. It’s one of the largest independent agencies in the state and aligns perfectly with what we seek in a partner. We were particularly drawn to its longstanding focus on serving Delaware’s Spanish-speaking and minority communities.
The agency has been operating for more than 30 years. We’re building on that legacy by bringing in new technology, carrier relationships, team members, and enhanced training. We’ve also centralized back-office functions—like marketing, finance, and HR—so each office can focus on what matters most: serving clients. The agency is now growing both organically and through strategic book acquisitions.
Q: A to Z promotes itself as a “multi-lingual insurance agency.” What communities does it serve?
A. We proudly serve the Latino and other minority communities throughout Delaware, Maryland, and Pennsylvania. This commitment goes beyond simply hiring bilingual producers or CSRs. Every part of our operation—from marketing to technology—is built with a multicultural lens.
We tailor products, carrier relationships, and customer experiences to reflect the diverse needs of our client base. It’s an integrated approach that reflects the agency’s mission and community role.
Q: How do you attract and retain a diverse team to support that mission?
A. Our team is our greatest asset, and we invest accordingly. Our 18+ team members reflect the communities we serve, and we encourage their active involvement in local events and outreach efforts.
We provide professional growth pathways, including CSRto-account manager-to-producer development. We also support team members with training, mentorship, and the tools they need to thrive.
To attract talent, we rely on referrals, online job platforms, recruiting firms, social media—and yes, even highway billboards. But recruitment is only half the equation. Retention comes down to how we treat people. We’re committed to fostering a supportive environment where employees can grow professionally and feel personally valued.
Q: And finally, a fun one. Any plans for summer travel?
A. Absolutely! My family loves to travel. This summer, we’ll visit Universal Studios in Florida, then head to the Dominican Republic and Costa Rica. In August, we’re planning a ski trip to Chile before the kids head back to school.
As an IA&B Member, you could qualify for a program that provides better value and protection. Benefit from IA&B’s:
▲ Relationships with reputable carriers
▲ Industry leading claims service
▲ Highly trained, licensed professionals
For personalized service, contact KEVIN HORD, CIC, CPCU, ACLS, MBA 800-998-9644, ext. 209 KevinH@IABforME.com IABforME.online/insurance
Insurance Agents & Brokers proudly recognizes Penn National Insurance as one of its Platinum Partners. IA&B Platinum Partners dedicate the highest level of sponsorship to our organization.
OUR MISSION
We help people feel secure and make life better when bad things happen.
FEATURED PARTNER
Penn National Insurance
HEADQUARTERS
Harrisburg, PA
A.M. BEST RATING
A (Excellent)
Robert Brandon president & CEO
John Foster senior vice president, insurance operations
Jacquelyn Anderson senior vice president, CFO & treasurer
Karen Yarrish senior vice president, secretary & general counsel
Kelly Miller vice president, Human Resources
Mike Watts chief information officer
At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen.
For over 106 years, we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We market our products through a network of 1,200 independent agency operations in 12 states. Our regional structure allows us to respond to the needs of our customers on a local level. We write insurance in these states: Alabama, Delaware, Iowa, Pennsylvania, Maryland, Minnesota, New Jersey, North Carolina, South Carolina, Tennessee, Virginia and Wisconsin.
Penn National Insurance has an A.M. Best Rating of A (Excellent). This rating is assigned by A.M. Best to companies that have an excellent ability to meet their ongoing insurance obligations.
In 2024, the company wrote $1.01 billion in direct premiums, had $2.2 billion in total assets and maintained an $851.5 million policyholder surplus.
Penn National Insurance has achieved a “Superior Rating” for Personal Lines Claims Customer Experience as measured by Ward’s ExperienceMonitor program, powered by Inpoint. This is the company’s sixth consecutive year to receive the superior rating.
For Commercial Lines, we offer a wide range of coverage rich endorsements known as PennPacs. Our PennPacs provide valuable coverage and limit enhancements on Business Auto,
Businessowners, General Liability, Property, Workers’ Compensation and Inland Marine, geared to a market’s need.
For Personal Auto, we offer great additional coverages, including Roadside Assistance, New Car Replacement and Auto Loan/ Lease. For Homeowners, we offer valuable additional coverages, including Equipment Breakdown, Underground Utility, Loss Assessment and Identity Theft.
• An accessible management team that really knows you and your agency
• Consistency in underwriting
• A dependable and fair approach to claims handling
• Local knowledge and presence in your markets
• A carrier that listens and responds as well as builds long-term relationships
We make life better for our agents, employees and policyholders as well as the community. Our policyholders can feel secure knowing that we are here to protect them and get them back on their feet after a claim. For our employees, we provide competitive salaries and benefits. We give back to the community through financial support and encouraging our employees to volunteer.
For more information, visit our website: PennNationalInsurance.com.
Thanks
Erie Insurance
Ironpeak (formerly Iroquois)
Keystone
Millers Mutual Insurance
NJM Insurance Group
Penn National Insurance
Plymouth Rock Assurance
Progressive
Chesapeake Employers Insurance
Chubb
EMC Insurance Companies
Farmers of Salem
Liberty Mutual Small Commercial / State Auto / Safeco
MMG Insurance
Nationwide Insurance Company
POM Insurance Company
SECURA Insurance
Selective Insurance
The Insurance Alliance Network
Diverse teams drive business success. Research shows they perform better, innovate faster, and adapt more effectively to market shifts. But how can organizations build truly diverse workplaces?
The answer starts at the foundation: recruitment and hiring. And blind hiring is one of the most effective strategies.
In fact, financial services firm BGC Group ranks blind hiring as the top method for developing a diverse talent pipeline. This approach ensures candidates are assessed purely on their skills, qualifications, and potential – leading to stronger, more high-performing teams.
At its core, blind hiring removes identifying details such as name, gender, age, and ethnicity from applications, preventing unconscious biases from influencing decisions. More advanced methods go further:
▲ Comprehensive skills assessments: At WAHVE, for example, we evaluate candidates based on job-relevant abilities rather than their educational background or past job titles.
▲ Blind interviews: Hiring managers assess candidates solely on their responses – without access to personal details – ensuring a fair, unbiased evaluation.
By shifting the focus away from demographics and toward skills and experience, blind hiring naturally broadens the talent pool. It encourages applications from underrepresented groups, leading to more inclusive hiring practices and ultimately, a stronger workforce.
Another key advantage? A level playing field. Traditional hiring decisions are often influenced by factors unrelated to a candidate’s ability to perform. Blind hiring eliminates these biases, ensuring every applicant is judged on merit alone.
In today’s interconnected and rapidly evolving market, companies that prioritize diversity gain a significant advantage – not just for their employees, but for their customers and communities. By reducing bias, blind hiring helps build diverse, high-performing teams – driving both innovation and success.
Work At Home Vintage Experts (WAHVE) is an industry-specific contract staffing solution. WAHVE matches veteran insurance professionals to meet agencies’ remote-staffing needs. IA&B members receive a 50% discount on the one-time set-up fee. Learn more: IABforME.com/HR-resources/#WAHVE
The “blind hiring” strategy stems from the famous study of symphony orchestras that hired more women musicians after conducting auditions behind a screen. According to the Harvard Business Review, blind hiring is most effective at increasing diversity in certain scenarios:
1. Organizations that typically interview candidates from an advantaged social group can benefit from using blind hiring during initial applicant screening. In other words, if the organization already interviews candidates from traditionally disadvantaged groups but does not tend to hire them, blind hiring will not affect change.
2. Blind hiring works best if the job will be filled on “straightforward evaluations of relevant skills and experience,” rather than particular credentials. This is because traditionally advantaged social groups have more access to resources and opportunities, such as certain internships or advanced education.
3. Structured interviewing – which focuses specifically on job-related questions rather than discussions that can accentuate the differences between candidates and interviewers – is a complementary strategy that reduces bias beyond initial screening.
Source: Sean Fath, “When Blind Hiring Advances DEI – and When It Doesn’t,” Harvard Business Review, June 2023
Rather listen? Also available in audio format at IABforME.buzzsprout.com
Over two dozen IA&B members from Pennsylvania and Delaware traveled to Washington, D.C. April 30-May 1 for the annual Big “I” Legislative Conference. The annual event brings together independent agents from across the country to meet with their elected lawmakers and to advocate on behalf of the industry and their clients.
IA&B members and their independent agent counterparts from across the United States urged Congress to address tax reform, disaster mitigation, legal reform, and crop insurance.
If you’re interested in becoming more involved with IA&B’s advocacy efforts, or attending next year’s Big “I” Legislative Conference, contact IA&B Government Affairs Director John Savant at JohnS@IABforME.com or 717-918-9214.
IA&B board member
Jason Rodriguez of Prominent Insurance Services was honored with the Inclusive Excellence Champion award.
Bottom: IA&B President & CEO
717-918-9223
TimW@IABforME.com
A thriving independent insurance agent community.
To serve as a driving force to champion independent agency success by educating, consulting, advocating, and fostering community in Pennsylvania, Maryland, Delaware, and beyond.
Editor: Karen Robison
KarenR@IABforME.com 717-918-9209
Contributing editors: Jennifer Ross, Megan Fioretta, Sarah Haas
Sales Account Executive: Rebecca Sieg | 717-430-2351
rebecca.sieg@theygsgroup.com
Luke Donald knows the game has evolved. As a winning Ryder Cup Captain, he chooses his players carefully.
At United Risk, we unite elite capability backed by proven results. A magnet for apex underwriting professionals committed to free enterprise and success.
