Dan Cramer is a partner at First West Insurance in Bozeman, Montana. He works closely with clients to help them navigate the regulatory, operational and insurance complexities associated with their business. His approach is centered on understanding how each client operates, identifying potential exposures and developing comprehensive insurance and risk reduction programs that provide meaningful protection while supporting long-term business objectives. Cramer’s primary areas of expertise include large commercial auto fleets and heavy truck-tractor operations, with a particular focus on the propane industry. He began his career in 2005 with Wells Fargo Insurance Services before moving to Lovitt & Touche in Phoenix, Arizona, and then owning Cramer Insurance Agency in Denver, Colorado — eventually moving back to Montana for his role with First West Insurance.