Virtual University

Loss Assessment Coverage

Individuals who live in or own homes in a home association face increased financial risks from assessments. Personal lines policies cover some of the assessments, but increased limits of loss…

Home insurance or mortgage protection concept with a 3D house model under a blue umbrella

The Curse of the Easily Offended Student

Being offended is a personal choice; political correctness tries to keep change from occurring; and people who preach tolerance generally aren’t. Our society is in need of more adults who…

The Greatest Insurance Man You Never Heard Of

Many insurance industry “giants” have been lost to cancer in the last few years, including Don Malecki, John Eubank, and Jim Harrison. But the greatest, in my mind, was my…

The Wall Street Journal Looks at Various New Insurance Products

The Wall Street Journal has taken an interest in some of the new(ish) insurance products now available such as “Active Shooter” policies, Tuition Insurance, and Cyber coverage.

Business executives pointing on clipboard in office

Are You One of the Many or One of the Few

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…

Human resource management and recruitment employment business concept. Employee people connection. Wooden human on light blue background. 3d illustration

Dealing with Public Adjusters

Hurricanes and other communal disasters draw public adjusters to the affected areas like sharks to the smell of blood. One public adjuster likened the influx to a pack of wolves…

Wooden houses and an easel arrow down. The fall of the real estate market. concept of value or cost decrease. low liquidity and attractiveness. cheap rent. Reduced demand and market stagnation.

Fair Owners’ Compensation

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

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