ELM Insurance Brokers

	Frederick J. Fisher - CEO and Director of Professional Services
	For the past 30 years, Mr. Fisher has actively been involved in underwriting, adjustment, investigation, and resolution of Professional Liability Claims. He is currently the CEO of E.L.M. Insurance Brokers.
	Mr. Fisher has lectured extensively on professional liability loss control, and authored over 60 articles in trade journals and periodicals. He is the author of BROKER BEWARE, Selling Real Estate within the Law. This book provides a loss control program for Realtors. He is the designer of a program to conduct on site pre-underwriting risk management assessments of clients' professional liability exposures on behalf of Insurance Producers, Real Estate Professionals and Lawyers. He has been active in the Professional Liability Underwriting Society (PLUS) since 1993. In 1997, he was elected President. He has been the Senior Technical Advisor for The Professional Liability Manual, published by the International Risk Management Institute since 1989. This manual is required reading by candidates for the RPLU professional designation sponsored by PLUS. He testifies regularly as an expert witness in cases dealing with the duties and obligations of professionals as well as on coverage and claims-made issues.

	Andre DeGazon - Broker
	Andre has been in the insurance industry for 8 years. He joined E.L.M. in 1998 and is currently the Small Business Unit Manager.

	Clancy Marie Johannsen - Branch Vice President / Broker
	Clancy has been in the insurance industry for 16 years working in various types of insurance before joining E.L.M. in 2001.

	Gregg Higgins – Branch Vice President / Broker
	Gregg has been in the insurance industry for the past 13 years since retiring from the U.S. Navy. At AIG, Gregg worked in Specialty Lines as an Underwriter focusing on Directors & Officers, EPLI, Fidelity, Fiduciary and Kidnap Ransom coverage. Prior to joining E.L.M. in 2004, Gregg worked in Specialty Lines at Philadelphia Insurance as an Underwriter, focusing on Errors & Omissions, Directors & Officers, EPLI, Fiduciary and Kidnap Ransom coverage.

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 <td class="text" valign="top">Frederick J. Fisher - CEO and Director of Professional Services</td>
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 <td class="text" valign="top">For the past 30 years, Mr. Fisher has actively been involved in underwriting, adjustment, investigation, and resolution of Professional Liability Claims. He is currently the CEO of E.L.M. Insurance Brokers.</td>
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 <td valign="top" width="17">&nbsp;</td>
 <td class="text" valign="top">Mr. Fisher has lectured extensively on professional liability loss control, and authored over 60 articles in trade journals and periodicals. He is the author of BROKER BEWARE, Selling Real Estate within the Law. This book provides a loss control program for Realtors. He is the designer of a program to conduct on site pre-underwriting risk management assessments of clients' professional liability exposures on behalf of Insurance Producers, Real Estate Professionals and Lawyers. He has been active in the Professional Liability Underwriting Society (PLUS) since 1993. In 1997, he was elected President. He has been the Senior Technical Advisor for The Professional Liability Manual, published by the International Risk Management Institute since 1989. This manual is required reading by candidates for the RPLU professional designation sponsored by PLUS. He testifies regularly as an expert witness in cases dealing with the duties and obligations of professionals as well as on coverage and claims-made issues.</td>
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 <td width="17"><img alt="" width="10" height="5" src="/fckeditor/editor/filemanager/connectors/aspx/userfiles/image/img_bullet01.gif" /></td>
 <td class="text" valign="top">Andre DeGazon - Broker</td>
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 <td class="text" valign="top">Andre has been in the insurance industry for 8 years. He joined E.L.M. in 1998 and is currently the Small Business Unit Manager.</td>
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 <td class="text" valign="top">Clancy Marie Johannsen - Branch Vice President / Broker</td>
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 <td class="text" valign="top">Clancy has been in the insurance industry for 16 years working in various types of insurance before joining E.L.M. in 2001.</td>
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 <td class="text" valign="top">Gregg Higgins &ndash; Branch Vice President / Broker</td>
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 <td class="text" valign="top">Gregg has been in the insurance industry for the past 13 years since retiring from the U.S. Navy. At AIG, Gregg worked in Specialty Lines as an Underwriter focusing on Directors &amp; Officers, EPLI, Fidelity, Fiduciary and Kidnap Ransom coverage. Prior to joining E.L.M. in 2004, Gregg worked in Specialty Lines at Philadelphia Insurance as an Underwriter, focusing on Errors &amp; Omissions, Directors &amp; Officers, EPLI, Fiduciary and Kidnap Ransom coverage.</td>
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