Agency Management

It takes a special breed to work in the IT department. Take your kid to work and you may find that special person.

Agencies initially develop the personalities of their owner. If the agent is sales oriented, the agency grows staff that key in on the sales and marketing process. If the agent…

Are insurance carriers required to honor an AOR? We have discussed this question a couple times, most recently with a Point/Counterpoint article. In this re-visitation a couple reader responses to…

Insurance policies promulgated advisory organizations and other independent bureaus serve to establish consistency in policy wording. Even when a carrier creates and uses a proprietary form, that form generally contains…

Floods occur virtually everywhere in our country, but each flood has unique characteristics. The common denominator of each of these events is: insureds are virtually unprotected from the effects and…

Your insureds are not insurance experts, nor should we expect them be. In fact, many don’t like to talk or think about insurance – much less read a “coverage-heavy” letter.…

Generally, an insurer’s duty to defend flows from the facts alleged in the lawsuit. When the pleadings alleged damage or injury that is covered by the policy, the insurance carrier…

Point/Counter Point: 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,…