"Insurance is just one of 13 ways to effectively manage risk," says Tony. Assisting companies in lowering their loss dollars translates into more stable and lower premiums in the long-run, allowing Horton's clients to have the upper hand in negotiating premiums and coverage terms with the insurance carriers. "Often insurance is the most expensive way to solve a problem. Many companies are not aware of alternative cost efficient solutions, such as risk prevention, reduction or avoidance. These proactive risk management strategies ensure that your business built today is here tomorrow." Tony Hopkins maintains active appointments with multiple insurance companies, including: Amerisure Insurance Company, Charter Oak Fire Insurance Company, Citizens Insurance Company of America, Employers Assurance Company, First National Insurance Company of America, General Insurance Company of America, Hanover Insurance Company, Harleysville Insurance Company, The Hartford, Massachusetts Bay Insurance Company, Nationwide Mutual Insurance Company, Ohio Farmers Insurance Company, Phoenix Insurance Company, Regent Insurance Company, SAFECO Insurance Company of America, Selective Insurance Company of America, Sentinel Insurance Company, Ltd, Society Insurance, Starr Indemnity & Liability Company, Travelers Insurance, and Westfield Insurance Company.