Agency Management

Holding a Client Hostage

Can an insurance carrier and its agent hold a client hostage? Short of any statutory prohibition, the answer appears to be yes. Without a law to the contrary, the contractual…

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Growing Your Agency by Adding New Clients

How do you get new clients? If you are like most independent agents, most of your clients come to you by word-of-mouth from other clients. These clients are invaluable because…

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Understanding the Statutory Requirements of Conditional Renewals

When there are changes in policy conditions related to coverage, price or other terms and conditions, most states require the insurance carrier to notify the insured a specified amount of…

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The Holy Grail

For as long as I have been in the insurance business agents have sought ways to promote themselves to their marketplace to get people to know them. The agents believe…

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DO NOT Sign Lender-Supplied Private Flood Insurance Forms

Banks are required to accept private flood insurance as broad as the NFIP policy per the Biggert-Water Flood Insurance Reform Act of 2012. The problem is, they want the AGENT…

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Insurance History – And Maybe Some Myths and Legend

Insurance (or assurance), as we understand the concept today, is more than 700 years old. But what events shaped our modern world of insurance? Following are some interesting facts, myths,…

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Why Customers Buy from Independent Agents

Have you ever wondered why customers buy from independent agents? According to research, the two main reasons are claims management and remarketing.

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