The Leeward Group (www.leewardgroup.com) is a full-service insurance agency and consulting firm serving the insurance needs of thousands of clients throughout the United States.  In addition to their retail insurance operations, they specialize in creating and administering insurance programs for associations and their members, as well as alternative risk management (including reinsurance and captive arrangements).    Successful offerings include the Personal Umbrella offering for members of the American Bar Association (www.abiexcess.com) and a national cellphone insurance program for a group of rural telephone companies.