Al Lum has provided insurance and risk management consulting services for middle-market commercial and industrial accounts for over 40 years. Prior to joining Insurance Office of America in 2008, he was affiliated with several other national and regional insurance agencies. In 1979, Al was one of California’s first recipients of the Certified Insurance Counselor (CIC) designation, and he received the Certified Risk Manager (CRM) designation in 2002. Al is focused on identifying and providing risk management solutions for his clients and has received Top Gun, Century Club, and Rainmaker awards for his achievements.