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Our Approach                                                          

At Howard & Gay, our goal is to create a more protected community by educating our clients about property and casualty insurance, upgrading their carriers and properly structuring their policies. In general, our clients have achieved significant financial success and therefore, have significant assets to protect. 


We help clients understand how they can leverage their financial flexibility and individual tolerance for risk in order to maximize their protection and minimize their annual insurance related expense.


Our core culture is one of expert advice and unmatched service. 


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