BROKERS

A retail broker well known for his knowledge of the beauty treatment industry and a contributor to this article:

Robert N. Kretzmer,
Inner Harbor Insurance, Inc.,
Bethesda, MD
(301) 652-5320

Two wholesale brokers who contributed to this article:

Kimberley Byrd,
Tennant Risk Services,
Hartford, CT
(860) 527-9717
www.tennant.com

Janet Carmichael,
Crump Insurance Services,
Nashville, TN
(615) 882-2856
www.crumpins.com