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Upcoming Events and Webinars

Join us during our live and interactive webinars. Purchase an individual webinar or become a member.

11 June

Liability for Flood Losses

Joe Harrington

There is a lot of focus today on increasing first-party coverage for flood damage to property. This seminar will describe the growing liability exposure facing property owners, public agencies, and their insurers for claims that they are responsible ...

18 June

Protecting Your Data is Critical to Survival and It Just Became Harder

Tom Wetzel

Software, apps and websites all collect data on their users and that data is often shared, reshared and monetized and pose serious risks for agents. More and more states are adopting newer, stricter regulations for both insurers and agents about data...

25 June

Understanding Product Liability Risks

Richard Faber

Product liability can be complicated. Is the product easy to misuse? What happens if the product fails? How bad could it possibly be? Join us as Richard Faber helps our understanding of product liability, how it's underwritten and priced, and how yo...

9 July

Who is an Insured on the CGL and Why Do You Care?

Patrick Wraight

UPDATE: Due to the situation with COVID-19, we chose to move this webinar to make space for a session dedictated to COVID-19. Is the new employee that decided to take a swing at a customer an insured on the company's CGL policy? Is there coverage i...

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Instructed by More Than 50 Industry Experts

Patrick Wraight
Kathy Ryan
Frederick Fisher
Nancy Germond
Chris Burand
Chris Christian
Rick Pitts
Bob Titus
Lynn Thomas
Kevin Amrhein
David Connolly
Laurie Infantino
Bill Wilson
Ron Fry
Rita Hollada

*Click on an instructor's headshot to view their bio.

Patrick Wraight

Patrick is the Director of Insurance Journal’s Academy of Insurance. As such, he sees himself as the Senior Brand Promoter of the Academy. His goal is to help the industry to see the Academy the way he sees it, as a valued partner in the training and development of insurance professionals.

He started his insurance career as a commercial underwriter for an MGA that wrote fire departments, ambulance companies, home medical equipment dealers, and other niche markets. It was there that he also started his journey in insurance education. He designed and implemented a new underwriter training program.

From there, he moved to one of the largest Florida-based property insurers to become an underwriter trainer. While there, his role expanded beyond classroom and online training to become a learning consultant. He spent time with his customers to determine their learning needs and develop a plan to meet those needs.

Patrick has earned several industry designations:

  • CIC (Certified Insurance Counselor)
  • CRM (Certified Risk Manager)
  • CISR (Certified Insurance Service Representative)
  • AU (Associate in Commercial Underwriting)
  • AINS (Associate in General Insurance).


When he’s not working, he loves to spend time with his family, traveling with his beloved and guiding their adult sons through adulthood.

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Kathy Ryan

Kathy Ryan, SPHR, is an award-winning author and owner of Pinnacle Coaching Group, LLC.  Over the last 30 years, Kathy has influenced thousands of people in the business and non-profit sectors through her coaching, consulting, speaking and on-site training. Her expertise covers a wide range of subjects including leadership, communication, human resources management, team dynamics, and performance management.

Kathy earned her B.A. degree in psychology and history from Dickinson College in Carlisle, Pennsylvania and has been awarded a lifetime certification as a Senior Professional in Human Resources (SPHR) from the Society for Human Resources Management. She has experience working with diverse industries including insurance, hospitality and entertainment. She is certified in the use of the Myer-Briggs Type Assessment (MBTI), as well as a number of other assessments and tools to support development.

Kathy is author of the book, "You Have to Say the Words" An Integrity-Based Approach for Tackling Tough Conversations and Maximizing Performance, which won a Royal Palm Literary Award from the Florida Writers Association.  Her interactive training program based on the book has helped thousands of managers to improve their coaching skills and drive performance. Her articles on leadership and other personal development topics have been published in numerous magazines including the Insurance Journal. You can follow Kathy’s blog, Inspired Leadership, at www.CoachKathyRyan.com .

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Frederick Fisher

Frederick J. Fisher, J.D. is currently the President of Fisher Consulting Group, Inc. and was the Founder of E.L.M. Insurance Brokers, a Wholesale & MGA facility specializing in Professional Liability and Specialty Line risks. He is a Member of the Editorial Board for Agents of America;  a Faculty Member of the  Claims College,  and Member of the Executive Council, School of Professional Lines sponsored by the Claims & Litigation Management Association and course designer and webinar Instructor for the Academy of Insurance (sponsored by the Insurance Journal).

Since his career began,  Mr. Fisher focused on one vision: providing financial security to the client. The result was a  successful 40 year career in Specialty Lines Insurance.   In 1975, Mr. Fisher began his career on the service side, as an Independent E&O claims adjuster. In 1982, he bought the Company, continued with claims, while expanding the firm’s services to include  qualitative claim auditing, risk management & loss control services, and acting as a TPA. In only 4 years, the annual billings increased by 400%.  His claim auditing techniques and recommendations resulted in substantial client savings (including the SCRTD now known as the Los Angles MTA). Many Insurers and self-insured’s adopted not only the performance standards raised in the audits, but adopted his recommended Attorney Management Guidelines as a base, which are still in use today by many major insurers. 


In 1995, he formed what is now known as ELM insurance Brokers, a firm that has acted as an MGA and Wholesale Broker of Professional Liability Insurance  and Specialty Lines. From nothing, the firm grew rapidly to a $30 Million dollar facility when sold in 2008. He has lectured extensively on professional liability issues since 1978, and authored over 64 articles in trade journals and periodicals. He is the author of BROKER BEWARE, Selling Real Estate within the Law. He designed a program to conduct on site pre-underwriting risk management assessments of a clients' professional liability exposures. In 1993, he was elected to the Professional Liability Underwriting Society (PLUS) Board of Trustees. After serving in all Officer capacities, he was elected President in 1997.  He remains a Special Materials Expert for several RPLU courses and is the Senior Technical Advisor for The Professional Liability Manual, first published by the International Risk Management Institute in 1990. He has taught over 100  CE classes and lectures. He testifies regularly as an expert witness in cases dealing with the duties and obligations of professionals as well as on coverage and claims-made issues.


Mr. Fisher can be reached at 310/413-6200, Email-fjfisher@fishercg.com

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Nancy Germond

Nancy Germond is the President of Insurance Writer, a consulting firm located in Phoenix, Arizona. With more than three decades of risk management experience, her unique insights and abilities help businesses better understand and manage their risk. Nancy has authored scores of risk management-related articles, white papers and has consulted and presented to both public sector and private sector insurance organizations.


A second-generation insurance professional, Nancy was the first risk manager of the City of Prescott, Arizona, and has worked in the private and public sectors as a claim and risk manager. In 1997 she founded Insurance Writer to assist insurance organizations to better manage their employment-related issues and to better penetrate the competitive insurance marketplace. Nancy holds a B.A. in Communication from Mills College and a Masters degree in sociology from Lincoln University. She also holds the Associate in Risk Management, the Associate in Claims designation from the Insurance Institute of America, the Insurance Training Professional Designation from the Society of Insurance Trainers and is a Senior Professional in Human Resource Management.

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Chris Burand

Chris Burand is president and owner of Burand & Associates, LLC, a management consulting firm specializing in the property-casualty insurance industry.  Chris is recognized as a leading consultant for agency valuations, increasing profits, and producer compensation plans.  His services include: Agency valuations/due diligence, producer compensation plans, expert witness services, E&O carrier approved E&O procedure reviews, and agency operation enhancement reviews.  He also provides the acclaimed Contingency Contract Analysis® service and has the largest database and knowledge of contingency contracts in the insurance industry.


Chris has more than twenty-five years’ experience. He brings his broad experience and wealth of knowledge into every agency.  He is a featured speaker across the continent at more than 300 conventions and educational programs. He writes a monthly article for the Insurance Journal.  Prior, he wrote a monthly column for American Agent & Broker for 11 years.  His articles have been published more than 250 times and have been published by Rough Notes, The National Underwriter, A.M. Best, and approximately a dozen regional insurance publications. He also publishes Burand’s Insurance Agency Adviser for independent insurance agents.

Chris holds a Bachelor's Degree in Business with emphasis in Finance from the University of Colorado and a MBA from the University of Denver. He is a member of the Institute of Business Appraisers, NACVA, a Department Head for IIABA's Virtual University, a contributing consultant for IMMS, and a volunteer counselor for the Small Business Administration's SCORE program.


Areas of Expertise:

  • Insurance Agency Appraisals/Due Diligence: Chris performs appraisals for Acquisitions and Sales, Buy/Sell Agreements, Mergers, Dissolution, and Perpetuation Planning.
  • Contingency Contract Analysis: Contingency contracts offer opportunities to increase compensation through negotiations and strategically placing business. Chris’s Contingency Contract Analysis® service provides the information agents need to take advantage of those opportunities.
  • Agency Operations Enhancement Review: Chris provides comprehensive reviews to help agencies identify opportunities, fix weaknesses, and succeed.
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Chris Christian

Chris Christian stumbled into insurance in 1985 as a temporary employee at GAF Insurance Services, a bank-affiliated insurance agency in San Diego.  After six years with GAF, Chris moved to the carrier side, opening the San Diego branch office of RLI Corp, an underwriter of specialty lines of insurance.  The San Diego office was dedicated to Directors and Officers Liability coverage, and was the launching pad for Chris’s specialization in professional liability.

Chris left RLI in 1997 to establish her own underwriting facility at London American General Agency and branched out thereafter into professional liability broking.

Chris joined U.S. Risk in November of 2005 and six months later relocated herself, her significant other, and 26 animals to Tennessee, where she continues her pursuit of the art and science of professional liability broking, and contributes to the industry as a frequent speaker, author and association participant.

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Rick Pitts

Richard S. Pitts is Vice-President and General Counsel to Arlington/Roe & Co., Inc., an insurance brokerage and managing general agent headquartered in Indianapolis. Rick also serves as general counsel to the Independent Insurance Agents of Indiana, Inc. As counsel to the “Big I,” Rick speaks annually at the association’s New Laws Seminars and teaches various seminars on insurance and employment related matters. Pitts has also presented continuing education seminars to insurance professionals in Illinois, Ohio, Kentucky, and Tennessee.


Rick is a 1983 graduate of Wabash College and a 1986 graduate of Indiana University School of Law – Indianapolis. Pitts clerked for the Honorable Patrick D. Sullivan, a judge of the Indiana Court of Appeals in 1986-87. Rick is admitted to practice before Indiana state and federal courts, the United States Supreme Court and the United States Court of Appeals for the Seventh Circuit and is a member of local, state and national bar associations. Pitts has tried cases and participated in over seventy appeals.


Pitts has served as a panelist and lecturer on a variety continuing education subjects, including the Americans with Disabilities Act, “Mold: Issues Under the Microscope” for the Indiana Continuing Legal Education Forum (ICLEF), and “Insurance Issues for Builders” for the Indiana Builders Association. Rick has also served as chair of several of ICLEF’s seminars, including “Advanced Corporate Practice,” “Privacy Law,” and “Insurance Coverage Issues.” Rick has also presented seminars on “Insuring Fiduciary Exposures,” “Insurance Coverage Disputes,” and “Agency Succession and Perpetuation,” for the Independent Insurance Agents of Indiana, 2007. Pitts has co-authored two articles appearing in the Indiana Law Review.

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Bob Titus

Bob is a Claims Manager with Academic Risk Resources & Insurance, LLC. He brings over 20 years of professional experience in commercial multi-line claims consulting and risk management. He also has over ten years of claims advocacy experience on OCIP and large construction losses.


In addition, Bob teaches professional development insurance courses for the Insurance Library of Boston and Polestar Performance Programs, Inc. Bob also has extensive experience in large loss claim management and has been retained as an expert witness by both plaintiff and defense attorneys on insurance disputes in litigation.


Bob’s present responsibilities include: complex coverage analysis, working with insurers to obtain proper and timely claim settlements, conducting multi-line claim reviews to monitor the reserving and establishing claims handling protocols of his clients’ insurers and TPAs.

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Lynn Thomas

Ms. Thomas is the founder and CEO of Thomas Consulting, located in Newton, Massachusetts.  Her firm specializes in creating powerful Client experiences that increase retention and profits with a specialty in P&C insurance. The firm’s services help companies to plug the “leaky Client bucket” and thereby increases its profits which it has been doing for decades with over 480 companies.

Ms. Thomas is a nationally acclaimed, powerful, engaging and dynamic speaker and consultant on Client experiences, emotional intelligence, retention, and relationships.  She has been a columnist and has published two books with her latest being an Amazon #1 Best Seller.  All of her firm’s consulting services come with a written guarantee of 100%-300% ROI within one year. 

Ms. Thomas started her career as a tax attorney with Arthur Andersen, then a Private Banker and then Change Agent with Bank of Boston. She holds a J.D. cum laude from Suffolk University and a B.A. cum laude from Wesleyan University.  She is a member of the Massachusetts Bar Association and former Board Member of Alpha Resource Center and Insight Seminars.

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Kevin Amrhein

Kevin is president of the Florida Insurance School of Continuing Education (FISCE) and the CE Partnership. He started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. He is a National Faculty member for the National Alliance for Insurance Education and Research’s CIC and Certified Insurance Service Representative (CISR) programs.

As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but quite glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes- you read that correctly).

Kevin is a graduate of the University of Central Florida. His first teaching gig was as a golf instructor where he was frequently kicked off driving ranges for giving free lessons.

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David Connolly

David Connolly has devoted his entire 30 year career to the insurance industry and has worked in almost every facet of the industry.

As a producer, he developed a significant personal book of business built on national programs which generated over 1 million in revenue. As an educator, David instructed for The National Alliance, and The Wedge Group before forming his Minneapolis based Consultancy. He has coached thousands of insurance professionals in the US and Canada and gets high marks for his ability to translate technical sales concepts into useable skills.

David founded iQ Consulting in 2006 and developed a unique, cutting edge approach to producer performance by working in the field with the best producers in the business. His trade marked process is described by many as the most transparent and effective approaches to buyer facilitation ever conceived.

As a performance coach David works with many of the top 100 Agencies and Brokerage firms in the US and Canada to create immediate, significant and sustainable performance gains. As a public speaker, David delivers seminars, keynotes and workshops for companies, agencies and industry organizations including the Big I, and the PIA. He conducts open workshops on selling and sales leadership and runs the HPA High Performance Producer Academy 4 times per year. As a writer, he is published by many industry journals and continues to write on issues facing the insurance and financial industries. He currently writes a blog for the Insurance Journal called “Your Sales iQ” and is engaged in writing his first book on producer performance slated for publishing in 2011.

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Laurie Infantino

Laurie Zangwill-Infantino, AFIS, CISC, CRIS, CIC, CISR, ACSR is past president and co-founder of Insurance Skills Center, Inc. (ISC) which was formed in 1977. In 2010 Laurie formed Insight Insurance Consulting (IIC) a division of Insight Consulting and Management, Inc.


She began her insurance career in 1969. Prior to forming Insurance Skills Center her education and experience in the industry included rating, underwriting, issuing, selling and marketing insurance policies. She has worked in the insurance industry as an underwriter for specialty programs, as a retail insurance producer, as a wholesale insurance producer, as an educator and as a consultant to producers, insurance customers and attorneys assisting them on insurance and risk management issues. She managed two specialty insurance programs for which she assisted in designing the coverage language, formulating the rating structure, marketing and selling the products and underwriting/rating the submissions.

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Bill Wilson

William C. Wilson, Jr., CPCU, ARM, AIM, AAM is the founder of Insurance Commentary.com. He retired from the Independent Insurance Agents & Brokers of America in December 2016 where he served as Assoc. VP of Education and Research and was the founder and director of the Big “I” Virtual University for over 17 years.  He is the former Director of Education & Technical Affairs for the Insurors of Tennessee and, prior to that time, he was employed by Insurance Services Office, Inc.  He is a graduate of the Illinois Institute of Technology with a B.S. degree in Fire Protection & Safety Engineering.

Bill was a licensed insurance and surplus lines agent, and his professional affiliations have included past president of the Middle Tennessee Chapter of CPCU, member of the board of directors of the national CPCU society, PMLG of the Honorable Order of Blue Goose, International, member of the Independent Insurance Agents & Brokers of America (IIABA) National Education Committee, member of the Certified Insurance Service Representative (CISR) National Advisory Committee, member of the National Underwriter FC&S editorial board, member of the Society of Insurance Trainers and Educators (SITE) and its SITE Journal editorial committee, member of the National Writers Association, chairman of the Tennessee Insurance Commissioner’s Education Advisory Committee, member of the Middle Tennessee State University Insurance Liaison Committee, and member of the Nashville State Technical Institute’s Business Management Advisory Committee. He is currently a member of the American Association of Insurance Management Consultants (AAIMCo).

Bill has served as a trainer and speaker for various organizations, including the Independent Insurance Agents & Brokers of America and 43 of its state affiliates, the CPCU Society national convention and chapter programs, the National Association of Insurance Women (NAIW), the Southern Agents Conference (SAC), the Risk & Insurance Managers Society (RIMS), the International Risk Management Institute (IRMI), and the Society of Risk Management Consultants (SRMC).

He has conducted hundreds of technical seminars, workshops and convention presentations—from Hawaii to Maine and Alaska to Florida—as well as programs on time management, presentation and public speaking skills, seminar development, and many others.  He has been the top-rated presenter at several CPCU National Conventions and his programs are always highly rated by attendees. He has presented seminars or webinars to as many as 5,000 attendees in a single session.

He was the recipient of the IIABA L.P. McCord National Education Award for having the #1 ranked state insurance education program in America and has won six other national education awards, including the George M. Gottheimer Memorial Award which is presented periodically to a CPCU Society member who has made an outstanding contribution to the field of insurance education, risk management or insurance consulting and, most recently, the Jeff Yates Lifetime Achievement Award which is the IIABA’s highest honor for nonagents.

Bill has researched, developed, written, and published dozens of technical articles, manuals and CDs/audio tapes, and has authored articles in business and industry trade periodicals such as Presentations magazine, American Agent & Broker magazine, Independent Agent magazine, Tennessee Insuror magazine, Tennessee Business magazine, the CPCU Journal, CPCU Interest Group newsletters, and the SITE Journal.

He has been quoted as an expert in a number of mainstream publications, including Readers Digest, Kiplinger's, and Money magazines and the Wall Street Journal, and he has been cited as an expert resource/interviewee for local television and radio media. He has also served as an expert witness in litigation.

According to Nashville NBC television affiliate WSMV, “Bill Wilson is an expert when it comes to insurance.”  Dr. William T. Hold, president of the Society of Certified Insurance Counselors in Austin, Texas has said that, “Bill Wilson is recognized by his peers as one of the premier insurance educators in America.” Bob Rusbuldt, CEO of the Independent Insurance Agents & Brokers of America says, “Bill Wilson is the nation’s foremost leading expert on form, coverage, and technical issues.”

Bill now blogs on insurance industry issues at www.InsuranceCommentary.com and delivers keynote presentations in conjunction with his consulting practice. He is also working on several book projects in addition to playing lead guitar with the band The Old Dogs. Email Bill at InsuranceCommentary@outlook.com.

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Ron Fry

Ron Fry joined Sherman & Company in January 2010, bringing twelve years of insurance investment banking experience to the firm. Mr. Fry’s responsibilities include sourcing and supporting banking transactions, and building relationships with clients operating in the property & casualty, life/health, and reinsurance sectors.


Before joining Sherman & Company, Ron was most recently a Vice President with Wachovia Securities LLC in the Financial Institutions Group. In that role he managed the risk of a multi-billion dollar portfolio of insurance and financial services companies and underwrote financings that included acquisitions, bridge loans, revolving and term credits, and insurance letter of credit facilities. His prior roles at Wachovia Securities and its predecessor, First Union Securities, included various roles covering financial institutions in Corporate Banking, Structuring & Underwriting and Risk Management, as well as the Agency Management division of Loan Syndications. Throughout his career he has primarily focused on insurance carriers and insurance distributors while working with a broad array of financial institutions clients.


Mr. Fry earned a B.A. in Business Administration from Belmont Abbey College and a M.B.A. at Wake Forest University’s Babcock Graduate School of Management. Prior to his undergraduate work Mr. Fry served in the US Army and continued to serve in the Army National Guard, including a 2004 deployment to Iraq, until his retirement from the military in 2006.


Contact Info:
(704) 943-2672
RFry@Sherman-Company.com

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Rita Hollada

Rita Hollada is the Vice-President of The Insurance Professionals, Inc., a consulting and professional education group. She is an honors graduate of Virginia Tech in Blacksburg, Virginia and began her professional career in human resources management before entering the insurance industry in 1979 when she and her husband started an agency from scratch. She remains a licensed agent and broker.


Rita earned the designation of Accredited Advisor in Insurance in 1983, followed by the designations of Chartered Property Casualty Underwriter in 1987 and Certified Insurance Counselor in 1988. In 1997, she was awarded PIA National's Presidential Award for her work with flood insurance and natural disaster legislation. She received the CPIA designation in 1998 after assisting that organization with the development of its Saleswise Success Seminars.


Rita remains an active member of the insurance industry, representing PIA National on several committees. She is also a contributor to numerous magazines and professional journals. Rita wrote a regular column on flood insurance issues for the Professional Agent Magazine for several years. She currently serves on the Flood Insurance Producers National Committee where she served as Chairman for two years. She also has served on the board of the Natural Disaster Coalition.


In addition to the insurance industry, Rita has been invited to speak on effective communication and customer service to many diverse groups. She is a member of the National Faculty of the CIC program as well as an instructor for other National Alliance programs. She designs and instructs special topic courses for insurance companies, agencies, industry associations and local community colleges and often works as a consultant with agencies on agency management issues.

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We Love the Academy Of Insurance

But don't take our word for it!

I have been taking advantage of the Insurance Journal educational classes (webinars) since they started providing them to us all.

I have been a member since the start which is a great advantage because the classes are all free for a year when you are a member.

The classes I have taken have very good content and the teachers know their topic and make the classes interesting.

There are a wide variety of classes and I believe you will be happy with whatever topic you choose.

Katie Freeman

Branch Manager, R.E. Chaix & Assoc

Insurance academy’s videos have helped me build a solid insurance foundation. They are very easy to follow and stay interested in.

Shelagh G.

Using Academy of Insurance online courses has helped our current staff with particular areas of coverage and has helped us develop our newbies to insurance as well as using the skills tests to help us mentor the new staff. I would recommend the use of Academy of Insurance for all levels of staff for add’l knowledge &/or training purposes.

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I have been a customer of the Academy of Insurance for a little over 2 years. My office has viewed over 20 different courses and we have benefited from the instructors and the class material. I plan to continue to utilize this very useful resource for learning.

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Where do you stack up?

Insurance Skills Tests

These exams were designed to help you pinpoint areas of interest for possible training opportunities.

This skills test focuses on workers' compensation topics, including;

  • Work Comp Triggers
  • Work Comp Terms/Concepts
  • Work Comp Benefits
  • Work Comp Credits / Audits / Payroll
  • Work Comp Employee vs. Independent Contractor Classification
  • Monopolistic States
  • Work Comp Employer Classification
  • Work Comp Managing Out-of-State Exposure
  • Work Comp Endorsements
  • Work Comp Experience Mods
  • Work Comp Claims
  • USLS&HW and Other Federal WC Concepts and Coverage

This skills test focuses on personal lines topics, including;

  • Homeowners (HO) Coverage Forms
  • HO "Insured" status
  • HO Definitions
  • HO Covered Property
  • HO Coverage Limits
  • HO Valuations
  • HO Causes of Loss & Exclusions
  • HO Endorsements
  • HO Part II – Liability Coverages
  • HO Eligibility
  • Personal Auto Policy (PAP) Coverage Parts
  • PAP "You" and "Insured" Status
  • PAP Covered Autos
  • PAP Coverages & Exclusions
  • PAP Definitions
  • PAP Endorsements
  • PAP Eligibility and Rating

This skills test focuses on commercial property topics, including;

  • Commercial Property Policy Provisions
  • CPP Coverage Limits
  • CPP Causes of Loss
  • CPP Definitions
  • Business Income / Extra Expense (Including Endorsements)
  • Ordinance or Law Endorsement
  • Utility Service (CP 04 17) Endorsement
  • Spoilage Coverage (CP 04 40) Endorsement
  • Leasehold Interest Coverage
  • CPP General Endorsements

This skills test focuses on commercial general liability topics, including;

  • CGL Definitions
  • CGL Coverage Trigger
  • CGL Exclusions & Exceptions
  • CGL "Insured" Status
  • CGL Coverage Limits
  • CGL Endorsements
  • Business Auto Coverage (BAC) Symbols
  • BAC Insured Vehicles
  • BAC Insured Status
  • BAC Coverages & Exclusions
  • BAC Valuation
  • BAC Endorsements
  • BAC Rating

Want to get more insurance smart? Join the Academy Today.