Chad P. Combs is Vice President of Personal Lines Underwriting at Ohio Mutual Insurance Group. Chad is responsible for building and implementing the personal lines strategy at Ohio Mutual. During his tenure, the company has experienced above-market policy growth, premium growth, and combined ratio performance. Previously, Chad held roles at Nationwide Insurance in Personal Lines Underwriting, Corporate Strategy, and Personal Lines Product Management. Chad earned a bachelor’s degree and a master’s degree from Ohio State University.