Andy is a commercial insurance agent that specializes in the use of risk management and alternative risk strategies to help his clients reduce their premiums and run more profitable businesses. He has been at PayneWest Insurance since 2006.His law school background has given him a unique understanding of the way insurance relates to the liabilities a business faces. With a full understanding of the principles of negligence and liability, Andy helps his clients transfer or avoid risk rather than just buying insurance to cover the risk. Andy’s current specialties include developers and owners of commercial and residential real estate, tow truck operators, and construction contractors. PayneWest Insurance has also developed many free tools for businesses to use to become safer and more efficient with their risk management. Oftentimes clients are given next to nothing in terms of risk management, and we aim to change that scenario. Andy is married to a lovely woman, Amy, and together they have three girls. He enjoys coaching his girls’ athletic teams and exploring the outdoors with his family and friends.