Personal lines team of the year - Chambers & Newman (Manchester)

With a little bit of innovation and ambition, Fresh! Insurance Group has shown beyond a doubt how an independent personal lines broker can succeed in a competitive market.

Although it operates in an intensely competitive sector, Fresh! Insurance Group has proven that not only is there still room for independent personal lines brokers, it is possible to flourish and compete effectively with direct writers and national brokers.

Set up by Lisa McPherson in 2002 with a team of five working out of a

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