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When writing a PAP, the “risk” must meet specific eligibility guidelines. Five of these eligibility guidelines are discussed in this article.

Insurance agency consultant Chris Burand sheds light on the fallacious opinion held by some agency owners and even some agency consultants that a bad producer is better than no producer…

According to research the average person has a total of 24 minutes a week to dedicate to learning. Our current insurance education system doesn’t cater to this reality. The industry…

Based on the dictionary meaning of “resident,” is there really an age limitation on kids away at college? Paragraph 5.a.(1) states that an insured is a relative who is a…

Fatal work injuries in the United States dipped slightly in 2017 to 5,147 from the 5,190 fatal injuries reported in 2016 according to the U.S. Bureau of Labor Statistics. Likewise,…

Decisions addressing the applicability of exclusions j.(5) and j.(6), given their often fact-intensive nature, are sometimes complex. But not MTI, Inc. v. Employers Insurance Company, No-17-6206 (10th Cir. 2019). It…

What coverage does your insured have when they travel for vacation? More importantly, what coverage don’t they have? Although there is worldwide protection for the insured’s stuff, what are the…

Warren Buffett introduced the newest insurance disrupter – the THREE. As the name suggests, this is a three-page insurance policy intended for small businesses. If that isn’t amazing enough, this…

The qualified lead ratio tells the agency if their database of leads is beneficial or wholly useless by answering the question, what percentage of leads in its database are good…

According to the experts, our industry is in almost immediate need of nearly 400,000 new workers due to retirements and other transitions. However, many hiring managers say the industry is…