Gillis, Ellis & Baker Inc. pitches risk management as its overriding philosophy for clients, and by practicing what it preached, the New Orleans agency survived to serve battered clients and even kept growing after Hurricane Katrina in 2005.

"The key to that was the disaster recovery program we established," said W. Anderson Baker III, president of the Big Easy firm. "It allowed us to increase our penetration in the market. Certainly, that was not the design–the design was our survival–but it had that effect."

He said the agency landed a lot of new clients after Katrina "by being there. Most agents are back, but many were unavailable for long periods of time."

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