The 25 largest property/casualty independent agencies are listed in the table below. The list is an excerpt from an agency ranking published by Insurance Journal, an online insurance news magazine. Each year the magazine composes a list of the 100 largest property/casualty agencies based on total property/casualty revenue. The Top 25 list is derived from Insurance Journal’s 2018 ranking (published in 2019).

Three agencies that appeared on previous Top 25 lists were acquired by other companies in 2018. They are the Crystal & Co, which was acquired by Alliant Insurance Services; Hays Companies, which was acquired by Brown & Brown; and Wortham Insurance, which was acquired by Marsh.

Hub International, Lockton, Alliant, and several other companies on the Top 25 Agencies list are also included in the list of the 15 largest insurance brokers. These companies appear on both lists because they act as insurance agencies in some situations and insurance brokerages in others.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

Here is the list of the largest 25 insurance agencies in descending order. For each agency, the table shows the revenue earned in 2018 and some remarks about the company. Note that the numbers in the revenue column have been rounded off.

Largest Agencies Based on 2018 Revenue

Rank Name 2018 Rev. ($M*) Comments

1 Hub International 1.435 bn Based in Chicago. Operates through over 450 offices across the U.S. & Canada. Sells business insurance, employee benefits, and risk management services.

2 Lockton Cos. 1.155 bn Based in Kansas City but operates in over 100 countries. Offers business insurance, employee benefits, risk management, and retirement services.

3 USI Ins. Services 1.087 bn Operates from approximately 200 locations in U.S. Based in Valhalla, NY. Offers business and personal insurance, employee benefits, retirement consulting, and affinity programs. Also owns an employee benefits wholesaler.

4 Alliant Ins. Services 1.024 bn Operates from over 90 locations in the U.S. Based in Newport Beach, CA. Offers business insurance, employee benefits, risk control consulting, human resources consulting, and property valuation.

5 AssuredPartners Inc. 981.7 Created in 2011 through agency acquisitions. Operates from almost 200 locations in over 30 states. Based in Lake Mary, FL. Offers business insurance, risk management services, employee benefits, and personal insurance.

6 Acrisure LLC 942.3 Founded in 2005. Provides business insurance, group benefits, voluntary benefits, surety, and captive insurance services. Based in Caledonia, MI

7 Broadstreet Partners Inc. 559.6 Operates in about 30 states through regional agencies. Based in Columbus, OH. Sells commercial and personal coverages.

8 Confie 515.0 Specializes in personal lines, small to mid-sized commercial business and Hispanic community. Based in Huntington Beach, CA. Maintains offices in 19 states.

9 EPIC 461.4 Operates a retail property/casualty and employee benefits insurance business in 19 states. Based in San Francisco.

10 NFP 338.5 Offers commercial insurance, corporate benefits, and private client resources. Formerly known as National Financial Partners Corp. Based in NYC.

11 Risk Strategies 290.6 Offers business insurance, employee benefits, and private client services. Operates from 40 offices in U.S. Based in Boston.

12 Leavitt Group 209.4 Established in 1952. Maintains over 160 offices in 21 states. Based in Cedar City, UT. Sells personal and business insurance, employee benefits, and industry programs.

13 Ins. Office of America 187.4 Operates from over 50 locations in the U.S. Sells business and personal insurance, employee benefits, and risk management services. Based in Longwood, FL.

14 IMA Financial Group 147.0 Owned by employees. Sells business insurance, employee benefits, personal coverages, specialty services, and wealth management. Based in Wichita, KS.

15 Higginbotham 139.4 Founded in 1948. Operates from 30 plus offices, one in Oklahoma and the rest in Texas. Sells personal and commercial insurance and employee benefits.

16 Cross Insurance 134.0 Founded in 1997. Operates in 7 states in the Northeast. Offers personal and commercial insurance, employee benefits, and specialty products.

17 PayneWest Insurance Inc. 115.9 Formed in 2012 by the merger of two agencies. Offers business and personal insurance, health coverage, and surety bonds. Based in Missoula, MT.

18 Woodruff-Sawyer 114.1 Founded in 1918. Provides risk management, commercial insurance, and employee benefits brokerage and consulting services. Based in San Francisco, CA.

19 Heffernan Ins. Brks. 101.8 Sells business and personal insurance, employee benefits, and financial services from 10 locations in the U.S. and one in London. Employee-owned. Based in Walnut Creek, CA.

20 Hylant Group Inc. 101.4 Based in Toledo, OH. Family-owned business. Maintains 16 offices in 7 states. Sells commercial insurance and employee benefits.

21 Hilb Group 100.6 Sell commercial and personal lines, employee benefits, and specialty programs. Has offices in 21 states, mostly in the Eastern U.S.

22 AIS Insurance Specialists 99.8 Owned by AIS Insurance Co. Sells personal and commercial coverages and life and health insurance. Operates in all 50 states. Based in El Segundo, CA.

23 INSURICA Inc. 94.4 Privately-held company established in 1959. Operates out of 30 offices in 6 states. Commercial and personal insurance, employee benefits, surety and bonds.

24 Eastern Ins. Group 90.3 Sells personal and business insurance and employee benefits. Based in Natick, MA. Operates from 24 locations in MA and RI.

25 Prime Risk Partners 86.1 Founded in 2014. Sells personal and commercial insurance, employee benefits, and specialty insurance. Has grown by acquisitions. 

*M=Millions

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Top Risks for Small Business Owners

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When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Cookies Settings Reject All Accept Cookies

The 25 largest property/casualty independent agencies are listed in the table below. The list is an excerpt from an agency ranking published by Insurance Journal, an online insurance news magazine. Each year the magazine composes a list of the 100 largest property/casualty agencies based on total property/casualty revenue. The Top 25 list is derived from Insurance Journal’s 2018 ranking (published in 2019).

Three agencies that appeared on previous Top 25 lists were acquired by other companies in 2018. They are the Crystal & Co, which was acquired by Alliant Insurance Services; Hays Companies, which was acquired by Brown & Brown; and Wortham Insurance, which was acquired by Marsh.

Hub International, Lockton, Alliant, and several other companies on the Top 25 Agencies list are also included in the list of the 15 largest insurance brokers. These companies appear on both lists because they act as insurance agencies in some situations and insurance brokerages in others.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

Here is the list of the largest 25 insurance agencies in descending order. For each agency, the table shows the revenue earned in 2018 and some remarks about the company. Note that the numbers in the revenue column have been rounded off.

Largest Agencies Based on 2018 Revenue

Rank Name 2018 Rev. ($M*) Comments

1 Hub International 1.435 bn Based in Chicago. Operates through over 450 offices across the U.S. & Canada. Sells business insurance, employee benefits, and risk management services.

2 Lockton Cos. 1.155 bn Based in Kansas City but operates in over 100 countries. Offers business insurance, employee benefits, risk management, and retirement services.

3 USI Ins. Services 1.087 bn Operates from approximately 200 locations in U.S. Based in Valhalla, NY. Offers business and personal insurance, employee benefits, retirement consulting, and affinity programs. Also owns an employee benefits wholesaler.

4 Alliant Ins. Services 1.024 bn Operates from over 90 locations in the U.S. Based in Newport Beach, CA. Offers business insurance, employee benefits, risk control consulting, human resources consulting, and property valuation.

5 AssuredPartners Inc. 981.7 Created in 2011 through agency acquisitions. Operates from almost 200 locations in over 30 states. Based in Lake Mary, FL. Offers business insurance, risk management services, employee benefits, and personal insurance.

6 Acrisure LLC 942.3 Founded in 2005. Provides business insurance, group benefits, voluntary benefits, surety, and captive insurance services. Based in Caledonia, MI

7 Broadstreet Partners Inc. 559.6 Operates in about 30 states through regional agencies. Based in Columbus, OH. Sells commercial and personal coverages.

8 Confie 515.0 Specializes in personal lines, small to mid-sized commercial business and Hispanic community. Based in Huntington Beach, CA. Maintains offices in 19 states.

9 EPIC 461.4 Operates a retail property/casualty and employee benefits insurance business in 19 states. Based in San Francisco.

10 NFP 338.5 Offers commercial insurance, corporate benefits, and private client resources. Formerly known as National Financial Partners Corp. Based in NYC.

11 Risk Strategies 290.6 Offers business insurance, employee benefits, and private client services. Operates from 40 offices in U.S. Based in Boston.

12 Leavitt Group 209.4 Established in 1952. Maintains over 160 offices in 21 states. Based in Cedar City, UT. Sells personal and business insurance, employee benefits, and industry programs.

13 Ins. Office of America 187.4 Operates from over 50 locations in the U.S. Sells business and personal insurance, employee benefits, and risk management services. Based in Longwood, FL.

14 IMA Financial Group 147.0 Owned by employees. Sells business insurance, employee benefits, personal coverages, specialty services, and wealth management. Based in Wichita, KS.

15 Higginbotham 139.4 Founded in 1948. Operates from 30 plus offices, one in Oklahoma and the rest in Texas. Sells personal and commercial insurance and employee benefits.

16 Cross Insurance 134.0 Founded in 1997. Operates in 7 states in the Northeast. Offers personal and commercial insurance, employee benefits, and specialty products.

17 PayneWest Insurance Inc. 115.9 Formed in 2012 by the merger of two agencies. Offers business and personal insurance, health coverage, and surety bonds. Based in Missoula, MT.

18 Woodruff-Sawyer 114.1 Founded in 1918. Provides risk management, commercial insurance, and employee benefits brokerage and consulting services. Based in San Francisco, CA.

19 Heffernan Ins. Brks. 101.8 Sells business and personal insurance, employee benefits, and financial services from 10 locations in the U.S. and one in London. Employee-owned. Based in Walnut Creek, CA.

20 Hylant Group Inc. 101.4 Based in Toledo, OH. Family-owned business. Maintains 16 offices in 7 states. Sells commercial insurance and employee benefits.

21 Hilb Group 100.6 Sell commercial and personal lines, employee benefits, and specialty programs. Has offices in 21 states, mostly in the Eastern U.S.

22 AIS Insurance Specialists 99.8 Owned by AIS Insurance Co. Sells personal and commercial coverages and life and health insurance. Operates in all 50 states. Based in El Segundo, CA.

23 INSURICA Inc. 94.4 Privately-held company established in 1959. Operates out of 30 offices in 6 states. Commercial and personal insurance, employee benefits, surety and bonds.

24 Eastern Ins. Group 90.3 Sells personal and business insurance and employee benefits. Based in Natick, MA. Operates from 24 locations in MA and RI.

25 Prime Risk Partners 86.1 Founded in 2014. Sells personal and commercial insurance, employee benefits, and specialty insurance. Has grown by acquisitions. 

*M=Millions

Featured Video

How to Find the Right Agent or Broker

What Does an Insurance Agent Do?

2019 - Worlds Largest Discount Store Chains by Revenue

Top 7 Commission-Based Sales Jobs

World’s Largest U.S. Retail Chains in 2015

World’s Largest Department Store Chains

What Does a Livestock Insurance Agent Do?

Where Canada’s Retailers Stand Among the World’s Largest

Interviewing for a Position at a Real Estate Firm

The Largest Retail Companies in Europe

The Biggest European Retailers for 2018

The Best Wall Street Jobs

The World’s Biggest Retail Chains

South Africa’s Largest Retailers from Steinhoff to Woolworths

How to Calculate CCA (Capital Cost Allowance)

Top Risks for Small Business Owners

When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Cookies Settings Reject All Accept Cookies

The 25 largest property/casualty independent agencies are listed in the table below. The list is an excerpt from an agency ranking published by Insurance Journal, an online insurance news magazine. Each year the magazine composes a list of the 100 largest property/casualty agencies based on total property/casualty revenue. The Top 25 list is derived from Insurance Journal’s 2018 ranking (published in 2019).

Three agencies that appeared on previous Top 25 lists were acquired by other companies in 2018. They are the Crystal & Co, which was acquired by Alliant Insurance Services; Hays Companies, which was acquired by Brown & Brown; and Wortham Insurance, which was acquired by Marsh.

Hub International, Lockton, Alliant, and several other companies on the Top 25 Agencies list are also included in the list of the 15 largest insurance brokers. These companies appear on both lists because they act as insurance agencies in some situations and insurance brokerages in others.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

Here is the list of the largest 25 insurance agencies in descending order. For each agency, the table shows the revenue earned in 2018 and some remarks about the company. Note that the numbers in the revenue column have been rounded off.

Largest Agencies Based on 2018 Revenue

Rank Name 2018 Rev. ($M*) Comments

1 Hub International 1.435 bn Based in Chicago. Operates through over 450 offices across the U.S. & Canada. Sells business insurance, employee benefits, and risk management services.

2 Lockton Cos. 1.155 bn Based in Kansas City but operates in over 100 countries. Offers business insurance, employee benefits, risk management, and retirement services.

3 USI Ins. Services 1.087 bn Operates from approximately 200 locations in U.S. Based in Valhalla, NY. Offers business and personal insurance, employee benefits, retirement consulting, and affinity programs. Also owns an employee benefits wholesaler.

4 Alliant Ins. Services 1.024 bn Operates from over 90 locations in the U.S. Based in Newport Beach, CA. Offers business insurance, employee benefits, risk control consulting, human resources consulting, and property valuation.

5 AssuredPartners Inc. 981.7 Created in 2011 through agency acquisitions. Operates from almost 200 locations in over 30 states. Based in Lake Mary, FL. Offers business insurance, risk management services, employee benefits, and personal insurance.

6 Acrisure LLC 942.3 Founded in 2005. Provides business insurance, group benefits, voluntary benefits, surety, and captive insurance services. Based in Caledonia, MI

7 Broadstreet Partners Inc. 559.6 Operates in about 30 states through regional agencies. Based in Columbus, OH. Sells commercial and personal coverages.

8 Confie 515.0 Specializes in personal lines, small to mid-sized commercial business and Hispanic community. Based in Huntington Beach, CA. Maintains offices in 19 states.

9 EPIC 461.4 Operates a retail property/casualty and employee benefits insurance business in 19 states. Based in San Francisco.

10 NFP 338.5 Offers commercial insurance, corporate benefits, and private client resources. Formerly known as National Financial Partners Corp. Based in NYC.

11 Risk Strategies 290.6 Offers business insurance, employee benefits, and private client services. Operates from 40 offices in U.S. Based in Boston.

12 Leavitt Group 209.4 Established in 1952. Maintains over 160 offices in 21 states. Based in Cedar City, UT. Sells personal and business insurance, employee benefits, and industry programs.

13 Ins. Office of America 187.4 Operates from over 50 locations in the U.S. Sells business and personal insurance, employee benefits, and risk management services. Based in Longwood, FL.

14 IMA Financial Group 147.0 Owned by employees. Sells business insurance, employee benefits, personal coverages, specialty services, and wealth management. Based in Wichita, KS.

15 Higginbotham 139.4 Founded in 1948. Operates from 30 plus offices, one in Oklahoma and the rest in Texas. Sells personal and commercial insurance and employee benefits.

16 Cross Insurance 134.0 Founded in 1997. Operates in 7 states in the Northeast. Offers personal and commercial insurance, employee benefits, and specialty products.

17 PayneWest Insurance Inc. 115.9 Formed in 2012 by the merger of two agencies. Offers business and personal insurance, health coverage, and surety bonds. Based in Missoula, MT.

18 Woodruff-Sawyer 114.1 Founded in 1918. Provides risk management, commercial insurance, and employee benefits brokerage and consulting services. Based in San Francisco, CA.

19 Heffernan Ins. Brks. 101.8 Sells business and personal insurance, employee benefits, and financial services from 10 locations in the U.S. and one in London. Employee-owned. Based in Walnut Creek, CA.

20 Hylant Group Inc. 101.4 Based in Toledo, OH. Family-owned business. Maintains 16 offices in 7 states. Sells commercial insurance and employee benefits.

21 Hilb Group 100.6 Sell commercial and personal lines, employee benefits, and specialty programs. Has offices in 21 states, mostly in the Eastern U.S.

22 AIS Insurance Specialists 99.8 Owned by AIS Insurance Co. Sells personal and commercial coverages and life and health insurance. Operates in all 50 states. Based in El Segundo, CA.

23 INSURICA Inc. 94.4 Privately-held company established in 1959. Operates out of 30 offices in 6 states. Commercial and personal insurance, employee benefits, surety and bonds.

24 Eastern Ins. Group 90.3 Sells personal and business insurance and employee benefits. Based in Natick, MA. Operates from 24 locations in MA and RI.

25 Prime Risk Partners 86.1 Founded in 2014. Sells personal and commercial insurance, employee benefits, and specialty insurance. Has grown by acquisitions. 

*M=Millions

The 25 largest property/casualty independent agencies are listed in the table below. The list is an excerpt from an agency ranking published by Insurance Journal, an online insurance news magazine. Each year the magazine composes a list of the 100 largest property/casualty agencies based on total property/casualty revenue. The Top 25 list is derived from Insurance Journal’s 2018 ranking (published in 2019).

Three agencies that appeared on previous Top 25 lists were acquired by other companies in 2018. They are the Crystal & Co, which was acquired by Alliant Insurance Services; Hays Companies, which was acquired by Brown & Brown; and Wortham Insurance, which was acquired by Marsh.

Hub International, Lockton, Alliant, and several other companies on the Top 25 Agencies list are also included in the list of the 15 largest insurance brokers. These companies appear on both lists because they act as insurance agencies in some situations and insurance brokerages in others.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

Here is the list of the largest 25 insurance agencies in descending order. For each agency, the table shows the revenue earned in 2018 and some remarks about the company. Note that the numbers in the revenue column have been rounded off.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

An insurance agency acts as a representative of an insurance company while an insurance broker acts on behalf of insurance buyers.

Largest Agencies Based on 2018 Revenue

Rank Name 2018 Rev. ($M*) Comments

1 Hub International 1.435 bn Based in Chicago. Operates through over 450 offices across the U.S. & Canada. Sells business insurance, employee benefits, and risk management services.

2 Lockton Cos. 1.155 bn Based in Kansas City but operates in over 100 countries. Offers business insurance, employee benefits, risk management, and retirement services.

3 USI Ins. Services 1.087 bn Operates from approximately 200 locations in U.S. Based in Valhalla, NY. Offers business and personal insurance, employee benefits, retirement consulting, and affinity programs. Also owns an employee benefits wholesaler.

4 Alliant Ins. Services 1.024 bn Operates from over 90 locations in the U.S. Based in Newport Beach, CA. Offers business insurance, employee benefits, risk control consulting, human resources consulting, and property valuation.

5 AssuredPartners Inc. 981.7 Created in 2011 through agency acquisitions. Operates from almost 200 locations in over 30 states. Based in Lake Mary, FL. Offers business insurance, risk management services, employee benefits, and personal insurance.

6 Acrisure LLC 942.3 Founded in 2005. Provides business insurance, group benefits, voluntary benefits, surety, and captive insurance services. Based in Caledonia, MI

7 Broadstreet Partners Inc. 559.6 Operates in about 30 states through regional agencies. Based in Columbus, OH. Sells commercial and personal coverages.

8 Confie 515.0 Specializes in personal lines, small to mid-sized commercial business and Hispanic community. Based in Huntington Beach, CA. Maintains offices in 19 states.

9 EPIC 461.4 Operates a retail property/casualty and employee benefits insurance business in 19 states. Based in San Francisco.

10 NFP 338.5 Offers commercial insurance, corporate benefits, and private client resources. Formerly known as National Financial Partners Corp. Based in NYC.

11 Risk Strategies 290.6 Offers business insurance, employee benefits, and private client services. Operates from 40 offices in U.S. Based in Boston.

12 Leavitt Group 209.4 Established in 1952. Maintains over 160 offices in 21 states. Based in Cedar City, UT. Sells personal and business insurance, employee benefits, and industry programs.

13 Ins. Office of America 187.4 Operates from over 50 locations in the U.S. Sells business and personal insurance, employee benefits, and risk management services. Based in Longwood, FL.

14 IMA Financial Group 147.0 Owned by employees. Sells business insurance, employee benefits, personal coverages, specialty services, and wealth management. Based in Wichita, KS.

15 Higginbotham 139.4 Founded in 1948. Operates from 30 plus offices, one in Oklahoma and the rest in Texas. Sells personal and commercial insurance and employee benefits.

16 Cross Insurance 134.0 Founded in 1997. Operates in 7 states in the Northeast. Offers personal and commercial insurance, employee benefits, and specialty products.

17 PayneWest Insurance Inc. 115.9 Formed in 2012 by the merger of two agencies. Offers business and personal insurance, health coverage, and surety bonds. Based in Missoula, MT.

18 Woodruff-Sawyer 114.1 Founded in 1918. Provides risk management, commercial insurance, and employee benefits brokerage and consulting services. Based in San Francisco, CA.

19 Heffernan Ins. Brks. 101.8 Sells business and personal insurance, employee benefits, and financial services from 10 locations in the U.S. and one in London. Employee-owned. Based in Walnut Creek, CA.

20 Hylant Group Inc. 101.4 Based in Toledo, OH. Family-owned business. Maintains 16 offices in 7 states. Sells commercial insurance and employee benefits.

21 Hilb Group 100.6 Sell commercial and personal lines, employee benefits, and specialty programs. Has offices in 21 states, mostly in the Eastern U.S.

22 AIS Insurance Specialists 99.8 Owned by AIS Insurance Co. Sells personal and commercial coverages and life and health insurance. Operates in all 50 states. Based in El Segundo, CA.

23 INSURICA Inc. 94.4 Privately-held company established in 1959. Operates out of 30 offices in 6 states. Commercial and personal insurance, employee benefits, surety and bonds.

24 Eastern Ins. Group 90.3 Sells personal and business insurance and employee benefits. Based in Natick, MA. Operates from 24 locations in MA and RI.

25 Prime Risk Partners 86.1 Founded in 2014. Sells personal and commercial insurance, employee benefits, and specialty insurance. Has grown by acquisitions. 

*M=Millions

*M=Millions

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How to Find the Right Agent or Broker

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2019 - Worlds Largest Discount Store Chains by Revenue

2019 - Worlds Largest Discount Store Chains by Revenue

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World’s Largest U.S. Retail Chains in 2015

World’s Largest U.S. Retail Chains in 2015

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World’s Largest Department Store Chains

What Does a Livestock Insurance Agent Do?

What Does a Livestock Insurance Agent Do?

Where Canada’s Retailers Stand Among the World’s Largest

Where Canada’s Retailers Stand Among the World’s Largest

Interviewing for a Position at a Real Estate Firm

Interviewing for a Position at a Real Estate Firm

The Largest Retail Companies in Europe

The Largest Retail Companies in Europe

The Biggest European Retailers for 2018

The Biggest European Retailers for 2018

The Best Wall Street Jobs

The Best Wall Street Jobs

The World’s Biggest Retail Chains

The World’s Biggest Retail Chains

South Africa’s Largest Retailers from Steinhoff to Woolworths

South Africa’s Largest Retailers from Steinhoff to Woolworths

How to Calculate CCA (Capital Cost Allowance)

How to Calculate CCA (Capital Cost Allowance)

Top Risks for Small Business Owners

Top Risks for Small Business Owners

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About Us Advertise Careers Privacy Policy Editorial Guidelines Contact Terms of Use EU Privacy

LiveAbout is part of the Dotdash Meredith publishing family.

Home

Home

Entertainment

Careers

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About Us Advertise Careers Privacy Policy Editorial Guidelines Contact Terms of Use EU Privacy

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LiveAbout is part of the Dotdash Meredith publishing family.

When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Cookies Settings Reject All Accept Cookies