What services or lines of business are you focusing on for growth in 2013?
Spencer M. Houldin: We have particular focus on personal insurance for the high-net-worth consumer. These clients seek an insurance advisor with markets and product knowledge. We offer services, such as background checks for domestic employees and personal property inventory services, which are sought in this space. Given the competition for the commodity-based consumer, we are committed to growing our advisory-based customer numbers. An additional 2013 goal is to grow our group personal excess liability business with a particular focus on law firms.
Jeff Cavignac: We focus on our core competencies, which include the building industry (development, design and construction), real estate, manufacturing, non-profits and other industries we feel qualified to work with. We believe it is important to specialize in order to help clients effectively manage risk. We also plan to further develop our fee-based risk control services, specifically in the area of human resources.
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