Virtual University

Homeowners’ Insurance and Firearms

Once again, we find ourselves in the deeply political and emotional debate about guns, the second amendment, gun control, and safety. This discussion requires us to clear up some misconceptions…

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3 Sales Measurements Every Agent Must Understand

If it’s not measured, it can’t be managed. Every agent and agency must be able to measure specific sales ratios to effectively plan for the future. Two commonly measured ratios…

Rising car prices. On a black background, there is a model car with a yellow arrow pointing upwards. Around the coin. The concept of the growth of the transport market and car prices

2 Overtly Useless BAP Endorsements

Lawyers make life interesting for the insurance industry. Often we outsmart them by creating endorsements to satisfy a request that, in effect, really do nothing other than make the lawyers…

Financial manager, realtor or insurer consulting clients, interviewing interracial couple in office. Happy smiling black wife and caucasian husband taking loan, mortgage, purchasing real estate

Service Centers – An Update

Service centers make a lot of sense from a financial standpoint except it will take as many as five years for your clients to stop calling YOU and start calling…

Purposely Getting Rid of a Customer

Life is too short to deal with customers who are unpleasant, rude or just plain mean. These individuals add nothing to your day and ultimately lower the moral of the…

Personnel recruitment and a magnet attracts good employee leaders. Blue background.

Should Trade Names be Listed as Named Insureds on the CGL?

Should DBAs or T/As (trade names) be listed on the CGL? Do they have to be listed? Adjusters have told some agents that the misnaming of a trade name endangers…

Jigsaw puzzle connecting together. Team business success partnership or teamwork concept. 3d rendering illustration

Business Income – Coverage for Employee Payroll

Is employee payroll covered by the business income policy? One part of the contract seems to state that only the payroll of employees necessary to resume operations is covered. Is…

Paper contract form with a signature about to be signed on a signature field.

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