Agency Operations

The title pretty much says it all. Are you a “many” agent focused on the price-based easy sell or are you among the few who understand that insurance requires a…

Agency owner compensation should be based on productivity and management responsibilities. Equal pay is not a requirement among agency owners.

Following a horrific natural disaster, agents must plan on receiving calls from angry insureds. Knowing the angry calls are coming is the first step toward managing them. Storm victims need…

Agents live and work in a wondrous world. Everyday offers opportunities, some taken, and some missed. But the most entertaining part of any agent’s day is their interactions with their…

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

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…

What is the agency’s responsibility if the insurance carrier alters coverage at renewal? Most state statutes require the insurance carrier to notify the insured – not the agent. But should…

CLUE Reports are a common underwriting tool. According to research, more than 80 percent of consumers are unaware these even exist. Further, those who do know they exist likely don’t…

Every state and the District of Columbia grants insurance carriers an “underwriting period.” Insurance carriers are granted broad authority to cancel a newly-written policy during this statutorily-limited period.