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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…

What an industry we chose! We get to see the good, the bad, the ugly, the stupid and utterly ridiculous. This is the stuff of legend and it reminds us…

Trusts are often used as a means to avoid some of the issues related to probate and estate taxes. However, the lawyers rarely tell insureds that when a trust is…

The concept of actual cash value (ACV) is far more complicated than “replacement cost minus physical depreciation.” In fact, the meaning of replacement cost differs based on the state. To…

The concept of actual cash value (ACV) is far more complicated than “replacement cost minus physical depreciation.” In fact, the meaning of replacement cost differs based on the state. To…

Threats of specific kinds of flu and pandemics garner heavy media attention. When any disease strain threatens a large geographic area, it gets lots of press as the next pandemic.…

The “heart” of networking is rooted in selfishness. There are serious problems with this single path to success. Of course, we do need relationships with others; but how can we…

Over the past few years liability insurers have been adding endorsements to attempt to limit their exposure for bodily injury claims on construction sites (not to mention for property damage).…