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David Smith is an experienced Senior Commercial Line Underwriter with a background in underwriting, account management, and risk management services in the insurance industry. At Encova Insurance, David focuses on developing pricing and growth strategies for General Liability and Commercial Automobile production. Prior to their current role, David has held various positions at companies such as PMA Insurance Company and PHICO Insurance Company, where David worked with national clients and handled medical malpractice insurance programs. With over 30 years of experience, David has a strong foundation in underwriting and account management across different locations in the United States.