Michael D. Brown, CPCU, CCRA, CRIS, ASLI, AU-M, ARe, AIT, ARM-E, AINS, ANFI, joined the commercial property department at Golden Bear Insurance Company in 2002 and has been managing it since 2013. He has published articles in many insurance publications and was selected as a Risk Management All Star by Risk & Insurance magazine in 2016 and as a Hot 100 Insurance Professional of 2019 by Insurance Business America.