Mary Arbelaez is Vice President of the Commercial Small Business and Personal Lines Divisions. She has been with the firm since 1980 and has over 30 years experience.  Licensed in Property and Casualty & Life and Health, Mary specializes in Commercial risks that include Commercial Real Estate, Restaurants, Retail, Service and Manufacturing as well as all aspects of Personal Lines coverage’s.  Her knowledge and experience provides expertise not only in assessment of insurance needs but also in negotiating competitive insurance programs with Regional and National Insurance Companies.