With over 30 years in the insurance industry, Jerry is well versed in all aspects of business insurance. However, he specializes in handling the risk management and bond needs of construction-related businesses. Active in the insurance industry, Jerry continues to research the involvement of design-build construction issues from both a surety and insurance viewpoint. He has proudly spent his entire career in the insurance industry at Howalt+McDowell Insurance. A graduate of the University of South Dakota, Jerry holds a degree in Finance and Insurance.