Howard has been an insurance retailer for twenty-seven years, with extensive experience in the areas of high end Personal Lines, Commercial Lines, Directors’ and Officers’ Liability, Employment Practices Liability, Professional Liability, Data Security and insurance for the real estate and technology industries. After fifteen years as a successful agent, Howard acquired Erich Courant & Co. in 2005 and still runs it today.

He is a 1990 graduate of the University of Rhode Island where he minored in Insurance. In 1992, Howard was awarded the CPIA (Certified Professional Insurance Agents) Young Producer of the Year award. He has also been designated as a Chubb Cornerstone agent numerous times over the past ten years.

Howard resides in Bergen County, New Jersey with his wife and three daughters. He is an avid skier and golfer. He also enjoys growing vegetables and perfecting recipes for his barbecue smoker.