FPS Insurance welcomes Cameron Howard as new insurance consultant

FPS Insurance, a wholly-owned subsidiary of the Tennessee Bankers Association, recently welcomed Cameron Howard as an insurance consultant for property and casualty and professional lines of coverage. Cameron brings a client-focused approach grounded in strong relationships, proactive risk management, and transparency—values that align closely with FPS Insurance’s commitment to supporting Tennessee banks. Contact Cameron at [email protected].

What first drew you to a career in insurance, and what do you enjoy most about helping clients in this field?

I was initially drawn to the insurance industry because it offered the opportunity to combine meaningful relationship building with analytical problem solving. I’ve always enjoyed being someone people can rely on, and insurance provides a way to combine technical expertise with genuine partnership. What I enjoy most is earning my clients’ trust— listening to their needs, helping them understand their options, and ensuring they feel confident their organization is protected.

You’ve joined FPS Insurance with 15 years of experience—what are some key lessons you’ve learned along the way?

One of the biggest lessons I’ve learned is that trust is everything. Clients want a partner who understands their business, cares about their people, and communicates openly. I’ve also learned to stay proactive—risks change, regulations evolve, and coverage should be reviewed regularly. Above all, consistent communication and transparency are essential to building long-term partnerships.

What made you excited to join the FPS Insurance team and work with Tennessee banks?

FPS Insurance has a strong reputation for deep industry expertise and integrity, which immediately resonated with me. I was excited to join a team that’s commitment to understanding clients on a deeper level and building trust over time is something I truly connect with. Working with Tennessee banks is especially rewarding because these institutions play such a vital role in their communities. It’s incredibly meaningful and essential that we help protect their operations and customers.

You specialize in Property & Casualty and Professional Lines—what are some common coverage gaps banks should be aware of in these areas?

Flood and Catastrophe Sub-Limits may be too low for branches, data centers, or ATM locations in high-risk areas—especially as CAT risks continue to escalate. Coverage for Payment Instruction Fraud Wire transfer fraud due to manipulation of authenticated instructions often falls between Crime and E&O policies unless both are properly coordinated. Another common gap I see is underinsurance in business interruptions coverage. Many policies don’t fully account for dependency on third-party service providers (core processors, cloud vendors, payment platforms). A failure at one of these partners can halt operations, but traditional BI may not respond without a specific extension. Another is insufficient coverage for third-party liability in professional services, which can leave banks vulnerable in the event of a claim.

Cybersecurity risks continue to evolve. What advice do you have for banks evaluating their cyber liability coverage?

Cyber threats are becoming more sophisticated, and coverage needs to keep pace. My advice is to start with a thorough risk assessment—understanding where your vulnerabilities lie. Working with your broker, to tailor coverage to your specific needs, including areas like social engineering, ransomware, business interruption and data restoration. It’s also worth reviewing how the Cyber policy responds to third-party vendor breaches, since so many financial institutions rely on shared platforms and cloud-based systems.

Banks should also regularly review their internal security practices—investing in employee training, implementing strong multifactor authentication (MFA), and having an up-to-date incident response plan are all critical to minimizing risks.

Outside of work, what are some of your interests or activities that help you recharge and stay balanced?

Outside of work, I’m all about family and staying active. My husband Ben, our two boys—Weston and Maverick—and I live on the family farm in White County, where we spend a lot of time outdoors. Whether we’re playing baseball, fishing in the ponds, building forts, or going for a jog, being outside is how I recharge. We are big fans of vacations and traveling, too. It’s something we all look forward to as a family and creates lasting memories together. Staying active and connected at home gives me the energy to bring my best to my work.