Expertise is not necessarily found on computers or in books, but in people. In our case, we have 3 generations who have been heading up our operations. Hartwig Hellner, son of the founder, has been “breathing” the insurance market for more than 50 years. The Hellner grandchildren are totally immersed in the business. Karla is a graduate of medicine and oversees the area of benefits/services. Christian began his insurance career in Germany with Lloyds of London, the cradle of the insurance world. Together they represent more than 100 years of experience.