234 5th Ave #501, New York, NY 100016

Susan L
CEO & FOUNDER
Susan L. Combs is a passionate entrepreneur, author, and insurance expert with over 20 years of leadership at Combs & Company. Guided by her “do more, better” mantra, she’s built a respected firm, written a best-selling book, and founded a nonprofit supporting veterans nationwide.
Meet Susan L. Combs
The Biz Stuff…
It doesn’t seem possible, but it’s been more than 20 years now since Susan L Combs first hung up her shingle for Combs & Company. It was a daring move for a 26-year-old, but Susan had a plan and a belief that her mantra of “do more, better” would resonate with people. History has proved her right. Combs & Co has grown into an internationally-recognized resource for businesses with needs in all matters of commercial insurance and employee benefits. The Combs Crew has also grown, with subject matter experts filling vital roles to ensure clients secure their necessary coverages. And in the last decade Susan has become a sought-after expert witness on the Affordable Care Act.
Susan has also turned family challenges into a best-selling book, Pancakes for Roger: A Mentorship Guide to Slaying Dragons, and a veterans-focused nonprofit, Pancakes For Roger (https://pancakesforroger.org/). With the 501(c)(3), Susan continues to proudly support the University of Missouri School of Law Veterans Clinic and is expanding opportunities for veterans to better their lives and those of their communities.
The Fun Stuff…
For the first time in more than 20 years, Susan no longer calls New York City home. She, her husband, and their “kids” (Pepper (cat) and Roxy (dog)) now call New Hampshire home. Their new surroundings are more of a return to her roots, as Susan grew up in King City, MO, a farming town of less than 1,000 people. With a personality and drive larger than her family farms, Susan headed to the University of Missouri (M-I-Z!) and then right to NYC after graduation. While no longer in the same time zone, Susan remained close to her family (mom, dad, and two older brothers), especially when her father, Major General Roger E. Combs, passed in 2018.
Susan’s interests are as diverse as her history. She is a HUGE KC Chiefs and KC Royals fan, and is always cheering for her alma mater, the Mizzou Tigers (regardless of the competition)! Susan loves CrossFit and Strongman, and integrates these passions into the Pancakes For Roger fundraising efforts. She’s built a pretty slick garden in NH and grown some amazing produce and flowers. Susan travels frequently for work, so a favorite pastime is to explore a new city and hit a restaurant on the Diners, Drive-Ins and Dives list.
Leadership & Industry Experience
Susan L. Combs is the CEO and Founder of Combs & Company, which she launched more than 20 years ago. Since then, she has grown the firm into a trusted resource for businesses seeking guidance on commercial insurance, employee benefits, and risk management. She is known for her practical leadership style, client-first mindset, and commitment to helping businesses secure coverage that fits their real-world needs. Over the last decade, Susan has also become a sought-after expert witness on the Affordable Care Act.
Author & Community Impact
Beyond her work in insurance, Susan is also an author and nonprofit founder. She wrote Pancakes for Roger: A Mentorship Guide to Slaying Dragons, inspired by personal family experiences, and founded Pancakes For Roger, a nonprofit focused on supporting veterans. Through that work, she has proudly supported the University of Missouri School of Law Veterans Clinic and continues to help expand opportunities for veterans and their communities.
Education & Background
Susan grew up in King City, Missouri, and attended the University of Missouri before beginning her professional journey in New York City. Her background, combined with decades of entrepreneurial experience, has shaped her thoughtful and determined approach to leadership. Today, she lives in New Hampshire with her husband and their pets, while continuing to serve clients across the country.






