Kathryn Messer is an insurance and financial services copywriter with more than 25 years of hands-on industry experience. A fully licensed P&C and Life & Health broker, she has worked as an independent agency owner, commercial risk manager, and financial and investment adviser. She holds CIC, CPCU, CFP, and LUTC designations. Her writing is grounded in real world knowledge of insurance operations, regulatory complexity, P&C claims, insurance technology, and sales—giving clients a true subject matter expert with no learning curve.

Jess Feldman is an Editor of Liberty Mutual Resources, the company's consumer-focused insurance hub. She brings more than a decade of experience in content strategy, editorial management, and instructional communication, with a focus on translating complex, YMYL (Your Money or Your Life) topics into clear, accurate, and actionable resources for consumers. Prior to Liberty Mutual, she served as Content Manager at Course Report and Editor at ParksByNature Network. She holds an M.F.A. in Writing and a B.A. in English from the University of New Hampshire.

Amy Beirne creates research-driven educational content that helps consumers better understand insurance and make informed decisions. She brings more than 15 years of experience in digital strategy, analytics, and consumer research, with a focus on making complex information clear, accurate, and accessible. Amy has authored both consumer education resources and peer-reviewed academic research. She holds a Master of Philosophy in Health Promotion from the University of Bergen and a Bachelor of Arts in Communication and Anthropology from the University of New Hampshire.