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Bill Horner is a seasoned commercial insurance agent and broker at Bowen, Miclette & Britt, Inc. since February 2002, specializing in commercial insurance program design and innovative risk transfer solutions. Prior experience includes serving as VP Client Services at CNA, where involvement spanned underwriting, claims, and loss control from February 1992 to April 2002. Bill's earlier role as District Claims Manager at Employers Insurance from July 1977 to January 1992 included comprehensive claims handling and litigation management. Bill's career began as a Local Recording Agent at Prudential Insurance, focusing on various personal and business insurance products from June 1974 to July 1977. Bill holds a BS in Psychology and Business from Texas A&M University-Commerce and the University of New Haven.