Dawson Insurance Agency
Industry: Insurance company
DescriptionFounded: 1917 Parent organization: Marsh & McLennan Agency LLC
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20 Dawson Insurance Agency employees in database. Find out everything there's to know about Dawson Insurance Agency employees. We offer you a great deal of unbiased information from the internal database, personal records, and many other details that might be of interest to you.
Dawson Insurance Agency Employees
Employee
Years
Job
Industry
Christina Maynard Christina Maynard's Dawson Insurance Agency Experience 2012 - 2014
Job Account Manager
Industry Insurance
Experience
Bank of the West - BW Insurance Agency, Inc. 2014 - Present
Dawson Insurance Agency 2012 - 2014
Auto-Owners Insurance 2006 - 2012
Skills
Insurance, Customer Service, Underwriting, Property, Commercial Insurance, Sales, Liability, Casualty Insurance, Leadership, Marketing, Event Planning, Account Management, Management, Public Speaking, Property & Casualty..., Strategic Planning, Risk Management, Social Networking
Education
Minnesota State University, Moorhead
Bachelor of Applied Science (B.A.Sc.), Business
Bank of the West - BW Insurance Agency, Inc. 2014 - Present
Dawson Insurance Agency 2012 - 2014
Auto-Owners Insurance 2006 - 2012
Skills
Insurance, Customer Service, Underwriting, Property, Commercial Insurance, Sales, Liability, Casualty Insurance, Leadership, Marketing, Event Planning, Account Management, Management, Public Speaking, Property & Casualty..., Strategic Planning, Risk Management, Social Networking
Education
Minnesota State University, Moorhead
Bachelor of Applied Science (B.A.Sc.), Business
Dan Armbrust, CPCU, CIC, CRIS Dan Armbrust, CPCU, CIC, CRIS's Dawson Insurance Agency Experience November 1981 - Present
Job Business Insurance Consultant at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency November 1981 - Present
Dawson Insurance February 1981 - Present
Skills
Property & Casualty..., Insurance, Underwriting, Commercial Insurance, Sales, Sales Management, Contract Negotiation, Risk Management, Team Building, Small Business, Marketing, Liability, Project Planning, Customer Service, Fixed Annuities, Management, Casualty
Education
North Dakota State University 1978 — 1982
Business, Management, Marketing, and Related Support Services
Dawson Insurance Agency November 1981 - Present
Dawson Insurance February 1981 - Present
Skills
Property & Casualty..., Insurance, Underwriting, Commercial Insurance, Sales, Sales Management, Contract Negotiation, Risk Management, Team Building, Small Business, Marketing, Liability, Project Planning, Customer Service, Fixed Annuities, Management, Casualty
Education
North Dakota State University 1978 — 1982
Business, Management, Marketing, and Related Support Services
Dexter Peters Dexter Peters's Dawson Insurance Agency Experience October 2014 - Present
Job Financial Representative
Industry Financial Services
Experience
Dawson Insurance Agency October 2014 - Present
COUNTRY Financial® March 2013 - September 2014
Gateway Hyundai Nissan May 2012 - January 2013
Hornbachers October 2011 - May 2012
K&D Lodge January 2011 - August 2011
Skills
Health Insurance, Strategic Financial..., Fixed Annuities, Life Insurance, Insurance, Disability Insurance, Long Term Care Insurance, Retirement Planning, Long-term Care, Estate Planning, 401k, Small Business, Finance, 401k Rollovers, Retirement, Financial Planning
Education
North Dakota State University 2008 — 2010
Business Management and Finance, Business
The University of North Dakota 2006 — 2008
Dawson Insurance Agency October 2014 - Present
COUNTRY Financial® March 2013 - September 2014
Gateway Hyundai Nissan May 2012 - January 2013
Hornbachers October 2011 - May 2012
K&D Lodge January 2011 - August 2011
Skills
Health Insurance, Strategic Financial..., Fixed Annuities, Life Insurance, Insurance, Disability Insurance, Long Term Care Insurance, Retirement Planning, Long-term Care, Estate Planning, 401k, Small Business, Finance, 401k Rollovers, Retirement, Financial Planning
Education
North Dakota State University 2008 — 2010
Business Management and Finance, Business
The University of North Dakota 2006 — 2008
Mark Julik Mark Julik's Dawson Insurance Agency Experience October 2007 - Present
Job Account Executive at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency October 2007 - Present
Arthur J. Gallagher & Co. February 2003 - November 2007
Skills
Commercial Insurance, Property & Casualty..., New Business Development, Sales, Insurance, Account Management, Customer Satisfaction, Liability, Commercial Lines, Legal Liability, Risk Management, Reinsurance, Financial Services, Professional Liability, Workers Compensation
Education
St. Cloud State University
Dawson Insurance Agency October 2007 - Present
Arthur J. Gallagher & Co. February 2003 - November 2007
Skills
Commercial Insurance, Property & Casualty..., New Business Development, Sales, Insurance, Account Management, Customer Satisfaction, Liability, Commercial Lines, Legal Liability, Risk Management, Reinsurance, Financial Services, Professional Liability, Workers Compensation
Education
St. Cloud State University
Benjamin Zietz Benjamin Zietz's Dawson Insurance Agency Experience July 2011 - Present
Job Life & Benefits Advisor at Dawson Insurance
Industry Insurance
Experience
Dawson Insurance Agency July 2011 - Present
Thrivent Financial for Lutherans December 2009 - June 2011
Skills
Life Insurance, Estate Planning, Group Benefit Plans, Succession Planning, Fixed Annuities, Small Business, Retirement Planning, Disability Insurance, Employee Benefits
Education
University of Denver 2005 — 2009
Bachelor of Science (BS), Finance and Financial Management Services
Dawson Insurance Agency July 2011 - Present
Thrivent Financial for Lutherans December 2009 - June 2011
Skills
Life Insurance, Estate Planning, Group Benefit Plans, Succession Planning, Fixed Annuities, Small Business, Retirement Planning, Disability Insurance, Employee Benefits
Education
University of Denver 2005 — 2009
Bachelor of Science (BS), Finance and Financial Management Services
Jen Rudnicki, CIC, CISR Jen Rudnicki, CIC, CISR's Dawson Insurance Agency Experience November 2007 - Present
Job Account Manager at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency November 2007 - Present
Dawson Insurance Agency November 2005 - November 2007
Nodak Mutual Insurance December 2002 - November 2005
Skills
Insurance, Property & Casualty..., Risk Management, Underwriting, Sales, Social Media, Commercial Insurance, CIC - Certified..., General Insurance, Umbrella Insurance, Casualty, Liability, Commercial Lines, Disability Insurance, Life Insurance
Education
The National Alliance for Insurance Education & Research
Certified Insurance Counselor (CIC)
The National Alliance for Insurance Education & Research
Certified Insurance Service Representative (CISR)
Minnesota State University, Moorhead
Bachelor of Science (BS), Business Administration and Management, General
Morris Area High School
Dawson Insurance Agency November 2007 - Present
Dawson Insurance Agency November 2005 - November 2007
Nodak Mutual Insurance December 2002 - November 2005
Skills
Insurance, Property & Casualty..., Risk Management, Underwriting, Sales, Social Media, Commercial Insurance, CIC - Certified..., General Insurance, Umbrella Insurance, Casualty, Liability, Commercial Lines, Disability Insurance, Life Insurance
Education
The National Alliance for Insurance Education & Research
Certified Insurance Counselor (CIC)
The National Alliance for Insurance Education & Research
Certified Insurance Service Representative (CISR)
Minnesota State University, Moorhead
Bachelor of Science (BS), Business Administration and Management, General
Morris Area High School
Natalie Schultz, CPCU, AIC Natalie Schultz, CPCU, AIC's Dawson Insurance Agency Experience 2010 - Present
Job Agent at Dawson Insurance
Industry Insurance
Experience
Dawson Insurance Agency 2010 - Present
State Auto Insurance 2005 - 2009
State Farm Insurance 1990 - 2005
Skills
Property & Casualty..., General Insurance, Liability, Casualty, Umbrella Insurance, Commercial Lines, Legal Liability, Claim, Homeowners, Commercial Insurance, Life Insurance, Term Life Insurance, Underwriting, Disability Insurance, Insurance, Customer Service, Sales
Education
North Dakota State University
BS, Business Administration
Michigan High School, Michigan, ND
Dawson Insurance Agency 2010 - Present
State Auto Insurance 2005 - 2009
State Farm Insurance 1990 - 2005
Skills
Property & Casualty..., General Insurance, Liability, Casualty, Umbrella Insurance, Commercial Lines, Legal Liability, Claim, Homeowners, Commercial Insurance, Life Insurance, Term Life Insurance, Underwriting, Disability Insurance, Insurance, Customer Service, Sales
Education
North Dakota State University
BS, Business Administration
Michigan High School, Michigan, ND
Debby Facey Debby Facey's Dawson Insurance Agency Experience September 2002 - January 2010
Job Retired
Industry Insurance
Experience
Noridian Healthcare Solutions July 2013 - May 2015
Aflac April 2010 - July 2013
Dawson Insurance Agency September 2002 - January 2010
Westfield Group/Westfield Insurance 1985 - 2002
Skills
Customer Service, Analytic Problem Solving, Communication Skills, Teamwork
Education
Minnesota State University, Moorhead
BS, Business Administration
Noridian Healthcare Solutions July 2013 - May 2015
Aflac April 2010 - July 2013
Dawson Insurance Agency September 2002 - January 2010
Westfield Group/Westfield Insurance 1985 - 2002
Skills
Customer Service, Analytic Problem Solving, Communication Skills, Teamwork
Education
Minnesota State University, Moorhead
BS, Business Administration
Steve Winter Steve Winter's Dawson Insurance Agency Experience July 2003 - Present
Job Insurance Account Executive at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency July 2003 - Present
Fargo Freeze Hockey August 2002 - Present
Dale Carnegie Training 2014 - 2014
Nodak Mutual Insurance Company May 2001 - July 2003
Ground Round Restaurant January 1996 - July 2000
Skills
Property & Casualty..., Commercial Insurance, Insurance, Umbrella Insurance, Casualty, Liability, Commercial Lines, General Insurance, Sales, Professional Liability, Risk Management, Workers Compensation, Legal Liability, Customer Service, Underwriting, Leadership, Marketing, Casualty Insurance
Education
CIC Institute 2010 — 2010
Certified Insurance Counselor, Insurance Risk Managment
The University of North Dakota 1986 — 1991
Business Administration, Management and Operations
Fargo South High School
Dawson Insurance Agency July 2003 - Present
Fargo Freeze Hockey August 2002 - Present
Dale Carnegie Training 2014 - 2014
Nodak Mutual Insurance Company May 2001 - July 2003
Ground Round Restaurant January 1996 - July 2000
Skills
Property & Casualty..., Commercial Insurance, Insurance, Umbrella Insurance, Casualty, Liability, Commercial Lines, General Insurance, Sales, Professional Liability, Risk Management, Workers Compensation, Legal Liability, Customer Service, Underwriting, Leadership, Marketing, Casualty Insurance
Education
CIC Institute 2010 — 2010
Certified Insurance Counselor, Insurance Risk Managment
The University of North Dakota 1986 — 1991
Business Administration, Management and Operations
Fargo South High School
Brigetta Smith Brigetta Smith's Dawson Insurance Agency Experience September 2014 - Present
Job Customer Service Representative/ Marketing at Dawson Insurance Agency
Industry Restaurants
Experience
Dawson Insurance Agency September 2014 - Present
Applebee’s November 2011 - October 2012
Texas Land & Cattle Steakhouse May 2008 - October 2011
Texas Land & Cattle May 2008 - October 2011
control flow April 2007 - December 2007
Fatz Café January 2006 - January 2007
Keller Williams Real Estate January 2005 - January 2007
Applebee’s Bar & Grill January 1999 - January 2001
Skills
Typing 55+ WPM, Organizational..., Customer Engagement, Customer Satisfaction, Bartending, Phone Skills, Phone Etiquette, Windows 7, Microsoft Excel, Microsoft Word, Microsoft Office, Microsoft Publisher, Creative Writing, Data Entry, Internet Explorer, Sales, Restaurants, Marketing, Food, Advertising, Spreadsheets, Customer Service, Selling, Facebook, Coaching, Administrative..., Office Management, Teamwork, Social Networking, Real Estate, People Skills, 10 Key, Recruiting, Restaurant Management, Team Building, Fax, Negotiation, Hospitality, Cashiering, Research, Office Administration, Social Media, Retail, Cooking, Accounts Payable, Income Statement, P, Time Management, Process Scheduler
Education
Spartanburg Technical College 2005 — 2005
Real Estate Certificate, Real Estate
Technical College of the Lowcountry 1998 — 2000
Conroe High School 1991 — 1993
High School Diploma
Dawson Insurance Agency September 2014 - Present
Applebee’s November 2011 - October 2012
Texas Land & Cattle Steakhouse May 2008 - October 2011
Texas Land & Cattle May 2008 - October 2011
control flow April 2007 - December 2007
Fatz Café January 2006 - January 2007
Keller Williams Real Estate January 2005 - January 2007
Applebee’s Bar & Grill January 1999 - January 2001
Skills
Typing 55+ WPM, Organizational..., Customer Engagement, Customer Satisfaction, Bartending, Phone Skills, Phone Etiquette, Windows 7, Microsoft Excel, Microsoft Word, Microsoft Office, Microsoft Publisher, Creative Writing, Data Entry, Internet Explorer, Sales, Restaurants, Marketing, Food, Advertising, Spreadsheets, Customer Service, Selling, Facebook, Coaching, Administrative..., Office Management, Teamwork, Social Networking, Real Estate, People Skills, 10 Key, Recruiting, Restaurant Management, Team Building, Fax, Negotiation, Hospitality, Cashiering, Research, Office Administration, Social Media, Retail, Cooking, Accounts Payable, Income Statement, P, Time Management, Process Scheduler
Education
Spartanburg Technical College 2005 — 2005
Real Estate Certificate, Real Estate
Technical College of the Lowcountry 1998 — 2000
Conroe High School 1991 — 1993
High School Diploma
Mariah Rud Mariah Rud's Dawson Insurance Agency Experience March 2014 - Present
Job Commercial Lines Account Assistant at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency March 2014 - Present
3M August 2013 - February 2014
Keller Williams Realty Integrity Edina January 2013 - July 2013
Iowa State University January 2011 - December 2012
North Star Resource Group June 2012 - July 2012
Keller Williams Real Estate June 2011 - August 2011
Cetero Research August 2006 - August 2010
Skills
Communication, Advertising, French, Research, Editing, Teaching, Organization, Leadership, Microsoft Word
Education
Iowa State University 2009 — 2012
Bachelor of Arts (B.A.), Communication Studies
Dawson Insurance Agency March 2014 - Present
3M August 2013 - February 2014
Keller Williams Realty Integrity Edina January 2013 - July 2013
Iowa State University January 2011 - December 2012
North Star Resource Group June 2012 - July 2012
Keller Williams Real Estate June 2011 - August 2011
Cetero Research August 2006 - August 2010
Skills
Communication, Advertising, French, Research, Editing, Teaching, Organization, Leadership, Microsoft Word
Education
Iowa State University 2009 — 2012
Bachelor of Arts (B.A.), Communication Studies
Carey Hall Carey Hall's Dawson Insurance Agency Experience May 2013 - Present
Job Customer Service Representative at Dawson Insurance Agency
Industry Consumer Services
Experience
Dawson Insurance Agency May 2013 - Present
Liberty National Life Insurance Company December 2012 - May 2013
Walton Funerals & Cremations August 2011 - December 2012
Walton Funerals & Cremations August 2010 - August 2011
Aleph Academy August 2009 - June 2010
Village of Palatine March 1997 - December 2008
Skills
First Aid, Classroom Management, Microsoft Office, Public Relations, Interpersonal..., Graphic Design, Small Business Marketing, Employee Training, Employee Handbooks, Teaching and Learning
Education
University of Nevada, Reno 2012 — 2012
Human Resource Management Certificate, Human Resources Management/Personnel Administration, General
National-Louis University 2006 — 2008
Masters of Teaching, Elementary Education
Southern Illinois University, Carbondale 1992 — 1997
Bachelor of Science, Journalism and Administration of Justice
Dawson Insurance Agency May 2013 - Present
Liberty National Life Insurance Company December 2012 - May 2013
Walton Funerals & Cremations August 2011 - December 2012
Walton Funerals & Cremations August 2010 - August 2011
Aleph Academy August 2009 - June 2010
Village of Palatine March 1997 - December 2008
Skills
First Aid, Classroom Management, Microsoft Office, Public Relations, Interpersonal..., Graphic Design, Small Business Marketing, Employee Training, Employee Handbooks, Teaching and Learning
Education
University of Nevada, Reno 2012 — 2012
Human Resource Management Certificate, Human Resources Management/Personnel Administration, General
National-Louis University 2006 — 2008
Masters of Teaching, Elementary Education
Southern Illinois University, Carbondale 1992 — 1997
Bachelor of Science, Journalism and Administration of Justice
Ryan Hoffman, CPCU, ARM Ryan Hoffman, CPCU, ARM's Dawson Insurance Agency Experience January 2004 - Present
Job Agent at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency January 2004 - Present
State Farm January 1995 - January 2004
Skills
Risk Management, Risk Assessment, Commercial Insurance, Property & Casualty..., Professional Liability, Errors & Omissions, Construction Safety, Manufacturing Safety, Safety Management..., CPCU, D, Directors, Captives, Claims Management, Insurance, Liability, Sales, Customer Service, Workers Compensation, Strategic Planning, Renters, Directors, Inland Marine, Underwriting, Leadership, General Insurance, Claim, Surety Bonds, Marketing
Education
The University of North Dakota 1990 — 1994
Bachelor, Accounting
Dawson Insurance Agency January 2004 - Present
State Farm January 1995 - January 2004
Skills
Risk Management, Risk Assessment, Commercial Insurance, Property & Casualty..., Professional Liability, Errors & Omissions, Construction Safety, Manufacturing Safety, Safety Management..., CPCU, D, Directors, Captives, Claims Management, Insurance, Liability, Sales, Customer Service, Workers Compensation, Strategic Planning, Renters, Directors, Inland Marine, Underwriting, Leadership, General Insurance, Claim, Surety Bonds, Marketing
Education
The University of North Dakota 1990 — 1994
Bachelor, Accounting
Penny Crowder, CISR, CIC Penny Crowder, CISR, CIC's Dawson Insurance Agency Experience July 2001 - Present
Job Insurance Agent at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency July 2001 - Present
State Farm Insurance September 1985 - January 1998
Skills
Property & Casualty..., Licensed Life Insurance..., Personal Lines: auto,..., Umbrella Insurance, Customer Service, General Insurance, Insurance, Life Insurance, Motorcycle, Casualty, Financial Services, Fixed Annuities, Sales, Retirement Planning, Term Life Insurance, Liability, Commercial Insurance
Education
Minot State University 1982 — 1984
Home Economics
Dawson Insurance Agency July 2001 - Present
State Farm Insurance September 1985 - January 1998
Skills
Property & Casualty..., Licensed Life Insurance..., Personal Lines: auto,..., Umbrella Insurance, Customer Service, General Insurance, Insurance, Life Insurance, Motorcycle, Casualty, Financial Services, Fixed Annuities, Sales, Retirement Planning, Term Life Insurance, Liability, Commercial Insurance
Education
Minot State University 1982 — 1984
Home Economics
Joy Skelton Joy Skelton's Dawson Insurance Agency Experience 2003 - 2006
Job Senior Vice President Finance and Accounting at Sky Angel US LLC
Industry Broadcast Media
Experience
Sky Angel US LLC December 2010 - Present
Sky Angel US, LLC March 2006 - December 2010
Dawson Insurance Agency 2003 - 2006
Windstar Country Club March 2004 - March 2005
Island Country Club January 2003 - March 2004
City of Austin, MN January 2001 - January 2003
Education
Minnesota State University, Moorhead 1980 — 1984
B.S.
Sky Angel US LLC December 2010 - Present
Sky Angel US, LLC March 2006 - December 2010
Dawson Insurance Agency 2003 - 2006
Windstar Country Club March 2004 - March 2005
Island Country Club January 2003 - March 2004
City of Austin, MN January 2001 - January 2003
Education
Minnesota State University, Moorhead 1980 — 1984
B.S.
Mary Bjerke's Dawson Insurance Agency Experience Senior Vice PresidentMarsh1987 - 1999
Job Operations Manager at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency Senior Vice PresidentMarsh1987 - 1999
Education
Concordia College 1977 — 1981
Dawson Insurance Agency Senior Vice PresidentMarsh1987 - 1999
Education
Concordia College 1977 — 1981
Joyce Gallagher's Dawson Insurance Agency Experience May 1986 - April 1992
Job Retired
Industry Insurance
Experience
retired April 2009 - Present
Ascension Insurance Agency Inc. October 2004 - April 2009
Client Service Agent March 1980 - April 2009
Marsh USA Inc. March 2001 - May 2004
Aon Risk Services August 1997 - March 2001
Zurich Insurance Company July 1994 - August 1997
Love Insurance Agency April 1992 - July 1994
Dawson Insurance Agency May 1986 - April 1992
St. Paul Insurance Company June 1980 - May 1986
Skills
Property & Casualty...
Education
Cuyahoga Community College 1992 — 1995
Associate of Arts
retired April 2009 - Present
Ascension Insurance Agency Inc. October 2004 - April 2009
Client Service Agent March 1980 - April 2009
Marsh USA Inc. March 2001 - May 2004
Aon Risk Services August 1997 - March 2001
Zurich Insurance Company July 1994 - August 1997
Love Insurance Agency April 1992 - July 1994
Dawson Insurance Agency May 1986 - April 1992
St. Paul Insurance Company June 1980 - May 1986
Skills
Property & Casualty...
Education
Cuyahoga Community College 1992 — 1995
Associate of Arts
Brooke Rogers's Dawson Insurance Agency Experience August 2014 - Present
Job Project Manager at Dawson Insurance
Industry Insurance
Experience
Dawson Insurance Agency August 2014 - Present
Trident Tactical and Firearms Solutions LLC July 2013 - Present
Trident Consulting LLC October 2004 - Present
Athene USA November 2013 - June 2014
- February 2005 - November 2013
AIG Claims, Inc. November 2003 - February 2005
- April 2002 - November 2003
Federated Insurance May 2000 - April 2002
Federated Insurance January 1999 - May 2000
Skills
Insurance, Customer Service, Sales, Negotiation, Microsoft Excel, Employee Benefits, Operations Management, Claim, Payroll, Property & Casualty...
Education
Concordia College 1995 — 1998
BA, Business and Office Administration
Dawson Insurance Agency August 2014 - Present
Trident Tactical and Firearms Solutions LLC July 2013 - Present
Trident Consulting LLC October 2004 - Present
Athene USA November 2013 - June 2014
- February 2005 - November 2013
AIG Claims, Inc. November 2003 - February 2005
- April 2002 - November 2003
Federated Insurance May 2000 - April 2002
Federated Insurance January 1999 - May 2000
Skills
Insurance, Customer Service, Sales, Negotiation, Microsoft Excel, Employee Benefits, Operations Management, Claim, Payroll, Property & Casualty...
Education
Concordia College 1995 — 1998
BA, Business and Office Administration
Steve Miller, CPA, CGMA's Dawson Insurance Agency Experience March 2007 - Present
Job Controller at Dawson Insurance Agency
Industry Insurance
Experience
Dawson Insurance Agency March 2007 - Present
Microsoft September 1999 - March 2007
Phoenix International - A John Deere Company September 1996 - September 1999
Eide Bailly LLP January 1990 - September 1996
Skills
Financial Reporting, Accounting, Great Plains Software, Financial Analysis, Budgets, Insurance, Management
Education
Minnesota State University, Moorhead 1985 — 1989
BS, Accounting
Dawson Insurance Agency March 2007 - Present
Microsoft September 1999 - March 2007
Phoenix International - A John Deere Company September 1996 - September 1999
Eide Bailly LLP January 1990 - September 1996
Skills
Financial Reporting, Accounting, Great Plains Software, Financial Analysis, Budgets, Insurance, Management
Education
Minnesota State University, Moorhead 1985 — 1989
BS, Accounting
State Farm Insurance
Allstate
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farmers insurance
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GEICO