Luck be a Ladybird

The personal lines broker is dead! Long live the commercial broker (who does a little personal lines on the side)! Some would say that this is a true snapshot of today's independent broking market, but to agree with this view would be to overlook personal lines motor brokers who are using innovation - and strong business acumen - to drive strong inroads into the sector.

Once such broker, Fresh! Insurance Services, established in 2002, has grown from little more than a few people working

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