Managing Risk in a Hard Property and Casualty Market
Tuesday, March 19, 2024
Noon to 1 p.m.
What is a “hard market” in the Homeowners and Auto Insurance industry?
A hard market is the upswing in the insurance market cycle, when premiums increase, coverage items are restricted, and capacity for most types of insurance decreases.
- Who can you turn to for answers?
- Who can you trust to provide accurate information?
- What are the impacts on your insurability?
SPEAKER
Cliff Layfield, CIC, ARM
Senior Vice President, Personal Risk Advisor
Personal Risk Services
USI
Cliff Layfield is a Senior Vice President with Personal Risk Services in Dallas, TX office USI, where he has worked since 2021. Cliff is a Certified Insurance Counselor (CIC) & Associate in Risk Management (ARM) with more than 20 years of Personal Risk Management experience.
He has worked with successful families to design and implement Personal Risk Management programs that address specific family needs by finding creative solutions to property and casualty exposures. Cliff has worked with some of the largest families in the country to restructure their personal insurance program to bring better value.
Cliff graduated from University of North Texas with a BA in Political Science and a minor in Business Administration. Cliff Has been an active member of The Financial Planning Association (FPA) of DFW since 2001, and served as president of the chapter in 2012. Originally from Dallas, Cliff lives in Grapevine, TX with his wife.
Questions?
info@carterwealth.com
