The corporate office of Town & Country Insurance is located in Finlayson, Minn., population 315. The agency also operates branch offices in Mora, Hinckley and Marshall, Barnum, Russell and Hanley Falls, all small, rural towns in the North Star State.

It may come as a surprise, then, to learn that its book of business includes $21 million in premiums — nearly all of which are written in person.

Town & Country, celebrating its 40th anniversary this year, currently boasts a staff of 26. The agency sells about 50% personal lines, 30% commercial lines and about 20% Life & Health products. "Our ideal client is someone who cares about their insurance program," says agency owner Nancy Pogatchnik. "We don't sell minimum limits on a policy. People say, 'I want you to take care of it. Write it for me.' Most people don't really know much about insurance."

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Shawn Moynihan

Shawn Moynihan is Editor-in-Chief of National Underwriter Property & Casualty. A St. John’s University alum, Moynihan has earned 11 Jesse H. Neal Awards, the Pulitzers of the business press; seven Azbee Awards, from the American Society of Business Press Editors; two Folio Awards; and a SABEW award, from the Society of American Business Editors & Writers. Prior to joining ALM, he served as Managing Editor/Online Editor of journalism institution Editor & Publisher, the trade bible of the newspaper industry. Moynihan also has held editorial positions with AOL, Metro New York, and Newhouse Newspapers. He can be reached at [email protected].

Agency Management
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Commercial Lines
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E&S/Specialty
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