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To CRM, Mr. Hickey brings years of intensive experience with the broker community and an unsurpassed grasp of property and casualty insurance. At age 22, he attended the Aetna Institute, the nation's top property and casualty training program, and received the coveted Gold Ribbon for excellence in sales presentation. Mr. Hickey's experience operating an independent agency is largely responsible for the unique insurer-broker partnerships that CRM enjoys across its territories - supportive partnerships of the type that direct carriers no longer off to independent agents. In addition, his deep understanding of risk management and technical expertise has helped him construct and negotiate unique agreements with excess reinsurers that benefit the CRM programs and separate them from the competition. Mr. Hickey graduated from Northeastern University with a B.A. in Finance (concentrations in Insurance and Investments). | 