2014 Power Broker: Under 40

Young Talent Pushing Forward

Many insurance professionals say they “fell into” the industry. Our Power Broker® winners and finalists under age 40 are no different, crediting their introduction to the business largely to family members who got them an “in.” Their experiences entering and working their way up through the ranks demonstrate both the strengths and weaknesses of the industry, and paint a picture of what the future may hold.

2014 Under-40 rankings sponsored by:

The Institues

Denton Christner, 36, a Power Broker® in the Gaming and Hospitality category, started working as a file clerk in his father’s Allstate agency as a high school student. He stayed with Allstate through college and eventually became an agent at the age of 21.

After agency consolidation left him and other brokers with smaller books looking for other options, he took a tip from another family member and went the independent route, joining BayRisk Insurance Brokers at 24.

Eleven years later, Christner is vice president and has helped BayRisk build its biggest new business source: a program for food truck insurance. Taking advantage of social media and online marketing, he has used the Internet as a primary sales driver, bringing InsureMyFoodTruck.com to the top of search engine results lists.

“Trying to sell commercial insurance to business owners who are oftentimes 10, 20 or 30 years my senior was very difficult. That was a big obstacle as a young agent, trying to prove my professionalism.”
— Denton Christner, vice president, Bay Risk Insurance Brokers

“It was an amazing experience; totally life-changing,” Christner said. “I pretty much ate, slept and breathed food trucks for 18 months getting it launched.”

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Lindsay Roos, 30, and a Power Broker® in the Pharmaceutical category, secured an internship with Marsh as a college junior with the help of a family member. In fact, internships and early training programs are a common thread among our young success stories.

“I interned in our Morristown, N.J., office for two years,” said Roos, a vice president and excess casualty placement broker at Bowring Marsh. “It was my first real work experience, and I really liked the work and the company. Most importantly, I really liked the people.” Marsh hired Roos into a graduate training program that gave her a well-rounded and formalized immersion in the industry alongside her peers.

Kate Simons, a 28-year-old Power Broker® finalist in the Retail category, took a summer internship with Aon as a college student “without really knowing what it was at first.” But the program drew her in, opening up the world of learning opportunities that the insurance industry has to offer.

“In this job, the thing I like is that you ultimately get to learn about all the industries your clients are in, whether it’s retail, real estate, manufacturing, food, and the list goes on and on,” she said.

Like Roos, Simons participated in an early career development program at the company. The 18-month training helped her home in on what aspects of insurance most appealed to her and exposed her to key mentors, leading her to her current position as senior broker.

“I also felt that the industry had a really good focus on developing young talent and investing in the future,” Simons said.

Attracting Graduates

Indeed, internships and intensive training programs continue to be key tools in bringing new grads into the fold.

Big brokers like Aon, Marsh and Beecher Carlson reach out to colleges to find prospective talent and introduce them to the industry. If all goes according to plan, those interns become full-time hires.

A year or two of initial training for new employees gets their feet wet in every aspect of the business. Those onboarding programs help young brokers find what niche appeals to them, and in what function they can excel.

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For many, that process helps young professionals move on from simply “falling into” insurance to really embracing it as a rewarding and exciting career.

As evidence of these programs’ successes, notice that this year’s “Under 40” class of winners and finalists includes 60 brokers, as opposed to last year’s 40. More young brokers are thriving in the business.

“The best experience comes from clinging onto some good people who are willing to teach you.”

— Lindsay Roos, vice president, Bowring Marsh

Yet, for an industry that invests considerable time and resources in developing new talent, the concern remains that not enough young people realize the benefits of working in insurance. In spite of a wealth of opportunity, the influx of new grads remains troublingly low.

“There are not enough young people getting into insurance, unfortunately,” Christner said. “It takes a lot of convincing and hand-holding and mentorship to get new producers settled into their career.”

Roos echoed that thought, noting that most college students aren’t necessarily looking for a professional career in insurance, but end up there via a tangential skill or interest.

That’s how a career in insurance brokering developed for Blythe O’Brien Hogan, a director in the Global Fine Arts Practice at Aon. O’Brien Hogan majored in art history as an undergraduate, then pursued a master’s degree in art business at Sotheby’s Institute of Art in London. That got her interested in art protection, both for personal collections as well as in transit or on display in a gallery or museum. She eventually wrote her master’s thesis on the development of insurance and risk management for fine art.

“From there I segued into the very dynamic, but a little bit niche, risk management insurance industry for fine art collections,” she said.

Aon’s Global Fine Arts Practice, launched in 2005, allowed O’Brien Hogan, a Power Broker® in the Fine Arts category, to work more closely with all players in the art industry, from handlers, shippers, storage facilities, and conservators to appraisers and tax attorneys.

Growing Pains

Despite being given opportunities and responsibilities early in their careers, many young brokers have had to overcome ageism in order to move ahead.

“Trying to sell commercial insurance to business owners who are oftentimes 10, 20 or 30 years my senior was very difficult,” Christner said. “That was a big obstacle as a young agent, trying to prove my professionalism.”

“It is challenging at times to get people to look past your age,” Simons said. “Being younger and still successful; sometimes, people tend to look for a little gray hair.”

Ultimately, though, a sound working knowledge of clients’ industries wins out, gaining their trust and building a positive reputation.

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Seth Cohen, 30, and an Entertainment Power Broker®, worked around the challenges of youth and inexperience by focusing on educational opportunities and industry training.

“I realized I could really accelerate my experience beyond my years,” said Cohen, an entertainment area vice president with Arthur J. Gallagher. “I got my ARM and CPCU as quickly as I could. I took a UCLA filmmaking and production course that was very intensive. I continue to attend media law conferences. Staying on top of current affairs helps to stay ahead of your inexperience.”

A little persistence never hurt either.

“Hard work and perseverance, being creative and asking questions has been the way to work through all that,” Simons said.

Younger brokers also have the advantage of greater familiarity with changing technologies, which shape industry best practices in a number of ways. Social media and online marketing are becoming increasingly common and important ways to reach clients, as Christner proved with the success of his food truck program. Sophisticated data analysis and modeling are now equally invaluable items in the broker’s toolbox.

“The younger generation probably embraces it more and adapts better,” Simons said. “They have more innovative thoughts as far as asking, ‘What else can I do with this technology and data to look at things a different way?’ ”

Tips for Success

So what can entry-level brokers learn from our Under 40 winners and finalists? First and foremost: Pounce on every new venture.

“I would say take advantage of every single opportunity, meaning every chance to be involved with other professionals [in the industry],” O’Brien Hogan said.

Simons echoed that advice. “Jump on every opportunity, and there are many in the industry, but you have to make the most of them,” she said. “Work hard. Be confident.”

And that uncle, sister or cousin with experience in the field? Tap into their knowledge base, and pick mentors’ brains as often as possible.

“The best experience comes from clinging onto some good people who are willing to teach you,” Roos said.

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Finally, the best brokers — no matter what their age — always have an in-depth knowledge of their customers’ industries. Specializing in areas of interest helps develop expertise that clients covet.

“Knowing the industry is key,” O’Brien Hogan said. “From all different angles — not just insurance, but all the little components that go into risk management.”

While challenges remain for the industry’s stability and growth potential, the growing number of Under 40 Power Broker® winners and finalists offers hope that the industry will remain dynamic for the future.

Listing of Power Broker Winners and Finalists Under 40:

Sarah Allison Senior Vice President Marsh, New York

Sarah Allison
Senior Vice President
Marsh, New York

James Bernstein, 34 Mercer, Cincinnati Employee Benefits

James Bernstein, 34
Mercer, Cincinnati
Employee Benefits

Morgan Anderson, 36 Arthur J. Gallagher, Irvine, Calif. Real Estate

Morgan Anderson, 36 Gallagher, Irvine, Calif.
Real Estate

Charles Blackmon, 34 Krauter & Co., Chicago Private Equity

Charles Blackmon, 34
Krauter & Co., Chicago
Private Equity

Joseph Braunstein, 37 Marsh, New York Aviation

Joseph Braunstein, 37
Marsh, New York
Aviation

Denton Christner, 35 BayRisk Insurance Brokers, Inc., Alameda, Calif. Gaming/Hospitality

Denton Christner, 35
BayRisk, Calif.
Gaming/Hospitality

Krista Cinotti, 35 Willis, New York Financial Services - Banking

Krista Cinotti, 35
Willis, New York
Financial Services

Seth Cohen, 30 Arthur J. Gallagher, Glendale, Calif. Entertainment

Seth Cohen, 30
Gallagher, California
Entertainment

Anne Corona, 36 Aon, Los Angeles Gaming/ Hospitality

Anne Corona, 36
Aon, Los Angeles
Gaming/ Hospitality

Bryan Eure, 34 Willis, New York Real Estate

Bryan Eure, 34
Willis, New York
Real Estate

Lindy Connery, 29 Marsh, New York Technology

Lindy Connery, 29
Marsh, New York
Technology

Ariel Duris, 38 Aon, Denver Aviation, Financial Services - Banking

Ariel Duris, 38
Aon, Denver
Financial Services

Larissa Gallagher, 26 Aon, Southfield, Mich. Chemicals & Refining

Larissa Gallagher, 26
Aon, Southfield, Mich.
Chemicals & Refining

Elisa Black, 28 Aon, Chicago Automotive

Elisa Black, 28
Aon, Chicago
Automotive

David Garrett, 37 John L. Wortham & Son, Houston Private Equity

David Garrett, 37
Wortham Ins., Houston
Private Equity

Jim Gillette, 34 EPIC, Los Angeles Retailing/ Wholesaling

Jim Gillette, 34
EPIC, Los Angeles
Retail

Mike Gingrich, 38 Neace Lukens, Dayton, Ohio Workers' Comp

Mike Gingrich, 38
Neace Lukens, Ohio
Workers’ Comp

Angela Giunto, 37 Aon, Denver Gaming/ Hospitality

Angela Giunto, 37
Aon, Denver
Gaming/ Hospitality

Meaghan Haney, 27 Aon, Washington Education

Meaghan Haney, 27
Aon, Washington
Education

Chris Heinicke, 38 Aon, Hamilton, Bermuda Automotive

Chris Heinicke, 38
Aon, Bermuda
Automotive

Matthew Heinz, 37 Aon, New York Private Equity

Matthew Heinz, 37
Aon, New York
Private Equity

Drew Johnston, 38 Aon, Wichita, Kan, Aviation

Drew Johnston, 38
Aon, Wichita, Kan,
Aviation

Jared McElroy, 33 Aon, Cincinnati Chemicals & Refining

Jared McElroy, 33
Aon, Cincinnati
Chemicals & Refining

Brian Lu, 32 Aon, New York Environmental

Brian Lu, 32
Aon, New York
Environmental

Matt Mautz, 33 Beecher Carlson, Atlanta Workers' Comp

Matt Mautz, 33
Beecher Carlson, 
Workers’ Comp

Tyler LaMantia, 27 Arthur J. Gallagher, Itasca, Ill. Public Sector

Tyler LaMantia, 27
Gallagher, Itasca, Ill.
Public Sector

Lorrie McNaught, 39 Aon/ Albert G. Ruben, Sherman Oaks, Calif. Entertainment

Lorrie McNaught, 39
Aon, California
Entertainment

Keith Montone, 31 Willis, Radnor, Pa. Environmental

Keith Montone, 31
Willis, Radnor, Pa.
Environmental

Anthony Moraes, 36 Integro Insurance Brokers, San Francisco Technology

Anthony Moraes, 36
Integro, San Francisco
Technology

Sean Murphy, 34 Arthur J. Gallagher, Houston Gaming/ Hospitality

Sean Murphy, 34
Gallagher, Houston
Gaming/ Hospitality

Lee Newmark, 26 Arthur J. Gallagher, Itasca, Ill. Health Care

Lee Newmark, 26
Gallagher, Itasca, Ill.
Health Care

Tandis M. H. Nili, 33 Aon, New York Real Estate

Tandis M. H. Nili, 33
Aon, New York
Real Estate

Blythe O'Brien, 29 Aon, New York Real Estate

Blythe O’Brien, 29
Aon, New York
Real Estate

Dennis O'Neill Jr., 33 Aon, Philadelphia Retailing/ Wholesaling

Dennis O’Neill Jr., 33
Aon, Philadelphia
Retail

Michael O'Neill, 35 Aon, New York Pharmaceuticals

Michael O’Neill, 35
Aon, New York
Pharmaceuticals

Stefanie Pearl, 33 Marsh, New York Financial Services - Banking

Stefanie Pearl, 33
Marsh, New York
Financial Services

Adrian Pellen, 30 Aon, New York Environmental

Adrian Pellen, 30
Aon, New York
Environmental

Mary Pontillo, 37 DeWitt Stern, New York Fine Arts

Mary Pontillo, 37
DeWitt Stern, New York
Fine Arts

Samuel Pugatch, 31 DeWitt Stern, New York Fine Arts

Samuel Pugatch, 31
DeWitt Stern, New York
Fine Arts

Brendan Quinlan, 34 Arthur J. Gallagher, San Francisco Utilities

Brendan Quinlan, 34
Gallagher, Calif.
Utilities

Chris Rafferty, 34 Aon, Chicago Automotive

Chris Rafferty, 34
Aon, Chicago
Automotive

Lindsay Roos, 30 Marsh, Hamilton, Bermuda Pharmaceuticals

Lindsay Roos, 30
Marsh, Bermuda
Pharmaceuticals

Duncan Ross, 35 Marsh, London Energy - Traditional

Duncan Ross, 35
Marsh, London
Energy – Traditional

James Sallada, 34 Marsh, New York Retailing/ Wholesaling

James Sallada, 34
Marsh, New York
Retail

Scott Schachter, 39 Marsh, New York Entertainment

Scott Schachter, 39
Marsh, New York
Entertainment

Aaron Simpson, 37 Aon, Philadelphia Pharmaceuticals

Aaron Simpson, 37
Aon, Philadelphia
Pharmaceuticals

Sharon Sotelo-Lee, 39 Integro Insurance Brokers, San Francisco Technology

Sharon Sotelo-Lee, 39
Integro, San Francisco
Technology

Stephen Stoicovy, 27 Aon, Houston Chemicals & Refining

Stephen Stoicovy, 27
Aon, Houston
Chemicals & Refining

Marc Toy, 38 Beecher Carlson, San Francisco Energy - Alternative

Marc Toy, 38
Beecher Carlson, Calif.
Energy – Alternative

Andy Vetor, 34 MJ Insurance, Indianapolis Employee Benefits

Andy Vetor, 34
MJ Insurance, Ind.
Employee Benefits

Gina Visor, 35 Marsh, Charlotte, N.C. Utilities

Gina Visor, 35
Marsh, Charlotte, N.C.
Utilities

Michael White, 37 Beecher Carlson, Atlanta Construction

Michael White, 37
Beecher Carlson, 
Construction

Ross Wheeler, 37 Aon, Chicago Retailing/ Wholesaling

Ross Wheeler, 37
Aon, Chicago
Retail

Alexander Zavala, 33 Willis, New York Real Estate

Alexander Zavala, 33
Willis, New York
Real Estate

Clayton Corbett, 29 Aon, Houston Energy - Alternative

Clayton Corbett, 29
Aon, Houston
Energy – Alternative

Neil Cayabyab, 34 Marsh, Irvine, Calif. Utilities

Neil Cayabyab, 34
Marsh, Irvine, Calif.
Utilities

Brandon Cole, 29 Arthur J. Gallagher, Greenwood Village, Colo. Nonprofit

Brandon Cole, 29
Gallagher, Colo.
Nonprofit

Helena Lai, 34 Aon - Huntington T. Block Insurance Agency, Washington Fine Arts

Helena Lai, 34
Aon, Washington DC
Fine Arts

Adam Rekerdres, 35 Rekerdres & Sons Insurance Agency, Dallas Marine

Adam Rekerdres, 35
Rekerdres & Sons, Dallas
Marine

Kate Simons, 28 Aon, Chicago Retailing/ Wholesaling

Kate Simons, 28
Aon, Chicago
Retail

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2014 Power Broker

Automotive

Driving Success for GM

022014_AtLarge_ElisaBlack

Elisa Black, ARM
Account Executive
Aon, Chicago

Al Gier, GM’s director of Global Risk Management & Insurance, felt so strongly about Elisa Black’s work in 2013 that he nominated her personally as a Power Broker®. That’s quite an endorsement. In fact, Gier and Frida Berry, GM’s manager of Liability Risk Financing, agree that not only did Black manage that critical global juggling act, but she did it with her professional, focused style.

“Elisa was instrumental in helping reduce collateral requirements and improving the efficiency of the global claims handling process,” Gier said. “Her client philosophy focuses on being prepared and setting the marketing standard at the forefront of the negotiation.”

Gier explained that any broker can negotiate with a carrier post-quote. More impressive is doing the legwork so you come to the table prepared to negotiate ahead of time, a Black trademark. Also, for a large global enterprise, he said, timing is everything. So finalizing financial negotiations early allows the time to fulfill the administrative and contractual obligations of an insured — the lifeline of most international programs.

Gier said Black is great at articulating obligations and time constraints.

Bermuda Excess Market Wizardry

Chris Heinicke Senior Vice President Aon, Hamilton, Bermuda

Chris Heinicke
Senior Vice President
Aon, Hamilton, Bermuda

With the automotive market continuing to recover, the Bermuda excess market is looking to boost premiums come renewal time. To help alleviate that pricing stress, Chris Heinicke and his Aon team do their best to negotiate with markets to keep premiums from climbing.

In 2013, Heinicke faced a specific challenge for a client that was in the midst of a claims issue with one market that had a sizable amount of capacity on the excess casualty program. The issue was on a completely separate line of business, but was enough of a problem that the client had made the decision to cut this market from all of their lines of business. That decision was made after the entire program had already been quoted at the expiring premium and there was little to no capacity left in Bermuda. Heinicke and his team worked quickly by increasing capacity with the only market in Bermuda that had something available, and then worked with the U.S. and London teams to get the terms, pricing and capacity needed to replace the market. In the end, the client was pleased with the results and impressed at the quick response.

“Chris’ knowledge of the Bermuda markets helped us structure a program with the broadest coverage,” said the liability risk financing manager from another large automaker. “We have a very good risk profile, and Chris ensures we aren’t being charged improperly.”

A risk manager from a third automaker credited Heinicke with doing a “fantastic job” in helping the company identify critical areas the Bermuda markets focus on, as well as what is needed to communicate those key areas to underwriters.

Marshalling the Marsh Resources

022014_AtLarge_MichaelKowalski

Michael Kowalski, CIC, LIC
Managing Director
Marsh, Detroit

In this case, the product over-shipment would create a much larger balance sheet exposure than the client would normally face. Also, the client’s treasury department wanted to use the large shipment to enhance cash flow as well as its borrowing base. Kowalski found a solution involving both private insurance and governmental support to manuscript a program that not only provided vital risk mitigation, but also enhanced this client’s cash flow management needs.

To make things happen, Kowalski often collaborates with Marsh brokerage teams on a global scale — from Detroit, New York, and Chicago to Bermuda, London, Zurich and various offices throughout Asia. Along the way, he has successfully placed complex risk finance programs involving more than 73 global markets and billions of dollars of capacity for a single line of coverage.

“Michael is our client executive and we have worked together for a number of years,” said Al Gier, director, Global Risk Management & Insurance at General Motors. “He has the skills we like to see in a broker — mainly, responsiveness and delivering the proper resources quickly.”

BlackBarFinalists:

LeAnne McCorry Managing Principal Aon

LeAnne McCorry
Managing Principal
Aon

Chris Rafferty Vice President Aon

Chris Rafferty
Vice President
Aon

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Sponsored: Aspen Insurance

A Modern Claims Philosophy: Proactive and Integrated

Aspen Insurance views the expertise and data of their claims professionals as a valuable asset.
By: | March 2, 2015 • 4 min read
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According to some experts, “The best claim is the one that never happens.”

But is that even remotely realistic?

Experienced risk professionals know that in the real world, claims and losses are inevitable. After all, it’s called Risk Management, not Risk Avoidance.

And while no one likes losses, there are rich lessons to be gleaned from the claims management process. Through careful tracking and analysis of losses, risk professionals spot gaps in their risk control programs and identify new or emerging risks.

Aspen Insurance embraces this philosophy by viewing the data and expertise of their claims operation as a valuable asset. Unlike more traditional carriers, Aspen Insurance integrates their claims professionals into all of their client work – from the initial risk assessment and underwriting process through ongoing risk management consulting and loss control.

This proactive and integrated approach results in meaningful reductions to the frequency and severity of client losses. But when the inevitable does happen, Aspen Insurance claims professionals utilize their established understanding of client risks and operations to produce some truly amazing solutions.

“I worked at several of the most well known and respected insurance companies in my many years as a claims executive. But few of them utilize an approach that is as innovative as Aspen Insurance,” said Stephen Perrella, senior vice president, casualty claims, at Aspen Insurance.

SponsoredContent_Aspen“We do a lot of trending and data analysis to provide as much information as possible to our clients. Our analytics can help clients improve upon their own risk management procedures.”
— Stephen Perrella, Senior Vice President, Casualty Claims, Aspen Insurance

Utilizing claims expertise to improve underwriting

Acting as adviser and advocate, Aspen integrates the entire process under a coverage coordinator who ensures that the underwriters, claims and insureds agree on consistent, clear definitions and protocols. With claims professionals involved in the initial account review and the development of form language, Aspen’s underwriters have a full sense of risks so they can provide more specific and meaningful coverage, and identify risks and exclusions that the underwriter might not consider during a routine underwriting process.

“Most insurers don’t ever want to talk about claims and underwriting in the same sentence,” said Perrella. “That archaic view can potentially hurt the insurance company as well as their business partners.”
SponsoredContent_AspenSponsoredContent_AspenAspen Insurance considered a company working on a large bridge refurbishment project on the West Coast as a potential insured, posing the array of generally anticipated construction-related risks. During underwriting, its claims managers discovered there was a large oil storage facility underneath the bridge. If a worker didn’t properly tether his or her tools, or a piece of steel fell onto a tank and fractured it, the consequences would be severe. Shutting down a widely used waterway channel for an oil cleanup would be devastating. The business interruption claims alone would be astronomical.

“We narrowed the opportunity for possible claims that the underwriter was unaware existed at the outset,” said Perrella.

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Risk management improved

Claims professionals help Aspen Insurance’s clients with their risk management programs. When data analysis reveals high numbers of claims in a particular area, Aspen readily shares that information with the client. The Aspen team then works with the client to determine if there are better ways to handle certain processes.

“We do a lot of trending and data analysis to provide as much information as possible to our clients,” said Perrella. “Our analytics can help clients improve upon their own risk management procedures.”
SponsoredContent_Aspen
SponsoredContent_AspenFor a large restaurant-and-entertainment group with locations in New York and Las Vegas, Aspen’s consultative approach has been critical. After meeting with risk managers and using analytics to study trends in the client’s portfolio, Aspen learned that the sheer size and volume of customers at each location led to disparate profiles of patron injuries.

Specifically, the organization had a high number of glass-related incidents across its multiple venues. So Aspen’s claims and underwriting professionals helped the organization implement new reporting protocols and risk-prevention strategies that led to a significant drop in glass-related claims over the following two years. Where one location would experience a disproportionate level of security assault or slip & fall claims, the possible genesis for those claims was discussed with the insured and corrective steps explored in response. Aspen’s proactive management of the account and working relationship with its principals led the organization to make changes that not only lowered the company’s exposures, but also kept patrons safer.

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World-class claims management

Despite expert planning and careful prevention, losses and claims are inevitable. With Aspen’s claims department involved from the earliest stages of risk assessment, the department has developed world-class claims-processing capability.

“When a claim does arrive, everyone knows exactly how to operate,” said Perrella. “By understanding the perspectives of both the underwriters and the actuaries, our claims folks have grown to be better business people.

“We have dramatically reduced the potential for any problematic communication breakdown between our claims team, broker and the client,” said Perrella.
SponsoredContent_AspenSponsoredContent_AspenA fire ripped through an office building rendering it unusable by its seven tenants. An investigation revealed that an employee of the client intentionally set the fire. The client had not purchased business interruption insurance, and instead only had coverage for the physical damage to the building.

The Aspen claims team researched a way to assist the client in filing a third-party claim through secondary insurance that covered the business interruption portion of the loss. The attention, knowledge and creativity of the claims team saved the client from possible insurmountable losses.

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Modernize your carrier relationship

Aspen Insurance’s claims philosophy is a great example of how this carrier’s innovative perspective is redefining the underwriter-client relationship. Learn more about how Aspen Insurance can benefit your risk management program at http://www.aspen.co/insurance/.

Stephen Perrella, Senior Vice President, Casualty, can be reached at Stephen.perrella@aspen-insurance.com.

This article is provided for news and information purposes only and does not necessarily represent Aspen’s views and does constitute legal advice. This article reflects the opinion of the author at the time it was written taking into account market, regulatory and other conditions at the time of writing which may change over time. Aspen does not undertake a duty to update the article.

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This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Aspen Insurance. The editorial staff of Risk & Insurance had no role in its preparation.




Aspen Insurance is a business segment of Aspen Insurance Holdings Limited. It provides insurance for property, casualty, marine, energy and transportation, financial and professional lines, and programs business.
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