Ray Thomas on the property/casualty industry: “Boring.”

Ray Thomas on executives in that industry: “Dour.”

Behind the quips is a guy singlehandedly defying those descriptions. The Baltimore-based CEO of Zurich North America — Small Business, Thomas says that when he considered how different those distributing property/casualty products (independent agents) were from those manufacturing the products (insurance companies), something clicked for him. “Independent ag

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