Newbie news: Still learning

Philip and Martin Smith

You have been trading for exactly a year now – why did you start up on your own?

We wanted to specialise in commercial and high net worth business. We both used to work for a family firm that was founded by my grandfather in 1897. It is still run by my brother. I worked there for 50 years until I retired. My son Martin, who worked alongside me, left and started this business and got me out of retirement. Our previous colleagues are set in their ways and concentrating on personal lines, but we

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