Stephen: We started trading in March 2018. Ryan and I both worked at H&H Insurance Brokers together as the associate directors. We observed the local Cumbrian market, and we could see a gap for a real community broker around the Carlisle area. The Carlisle market was saturated with large, national brokers with a very corporate structure.
So, we set up RAW Insurance and started trading in March 2018. Knowing the area as well as
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