Eric NarciscoCEOEffective CoverageAlbany, N.Y.
Years at company: 8
A business plan rises from the ashes: Effective Coverage is an online independent insurance agency that specializes in Renters' insurance. The idea for the agency was actually my thesis project for my finance MBA, which I finished in 2006. At that time, I was working at Chubb as an underwriter for a property book of business. My thesis also drew from experiencing an apartment fire back in 2001: A maintenance guy was fixing some pipes in a unit below mine, and he lit the building on fire. I didn't have Renters' insurance and lost a significant portion of my belongings. I realized that Renters' insurance is an underrepresented product, so I created a business plan.
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