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Old images die hard. Drop the phrase “regional insurer” in conversation with independent agents and it evokes images of close relationships, ease of underwriting, and in-depth knowledge of the local market. The traditional perception was that the regional insurer was the “Cheers” of  carriers: a place where everybody knows your name, the antithesis of the monolithic Big National Insurance Co. that expects to be on your top three carrier list but only sends its rep to see you once a year.

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