Who We Are                                                          

                                

 

 

Livy Howard and Willis Gay have been friends since childhood, both having grown up near Cold Spring Harbor on Long Island. Livy graduated from the University of Vermont in 1995 and Willis graduated from the University of Pennsylvania in 1994. Livy and Willis began working together in the  insurance industry in 2009. In 2013, they founded Howard & Gay Insurance. 

 

Willis Gay

Livy Howard