Jerry Carnahan is a commercial insurance professional who also co-authored the Texas edition of "Stop Being Frustrated & Overcharged," a book about reducing Workers' Compensation costs. His SmartGuard(R) program, a proprietary process to identify and prioritize businesses' unique risks, was granted a registered trademark by the U.S. Patent and Trademark office. Jerry is one of fewer than 1000 people nationwide who have earned the Certified WorkComp Advisor.

Jerry's philosophy: While being a business owner means living with risk, and some risks are out of your control, others can be minimized or even eliminated. Every business can benefit from a business risk evaluation and ongoing professional risk management. Lower premiums aren't granted magically by insurers. They are earned when businesses become more attractive to insurers. Jerry partners with clients to give advice and provide programs geared to make their business more attractive to insurers.