An award winning sales, marketing and product development executive at one of the nations largest casualty insurers. In his career Bob created 25 startup companies involved in insurance and risk services from conceptualization to design, implementation and operations. His work providing feasibility studies provided an in-depth understanding of successful companies in many business niches. He has worked with small businesses, associations, affinity groups and Fortune 1,000 employers. "When you create a product or service from the ground up, a product that you truly believe in sales and marketing strategy and tactics become easier. It is the same with all products and services whether you have a retail dry cleaner or on-line wholesaler.