Tom Caruso began in the insurance business as a commercial producer in 2007. He began to develop his insurance knowledge by writing small local business’s insurance and quickly developed a niche within the auto garage/body shop marketplace. Serving as a member of the local Alliance of Automotive Service Providers, Tom gained a deeper understanding of the challenges within that particular industry and sought to find insurance products that would directly impact his clients bottom line. Tom has also developed a niche among contractors within the tri-state area. He became RiskScore certified in 2014, and through the use of this program he is currently helping his clients to reduce their risk and lower their claims frequencies. Tom believes that risk management is a long term approach and works with his clients over time to improve their company’s outlook from a risk perspective which ultimately reduces insurance costs and fosters a synergistic relationship between the client, the carrier, and the agency.