| |  | | | Advantages of Big 'I' Membership * Agency Management * Back to Basics * Commercial Lines * Life & Health * Insurance Laws & Statutes/Coverage Resources |
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| | SOAR is a free Big “I” member service in which a dedicated association professional connects with your agency to help you navigate essential member resources. Through brief conversations designed to hone in on how we can best meet your agency needs with existing Big “I” membership programs, a SOAR guide will help your agency develop a personalized plan for maximizing the benefits of your Big “I” membership investment. SOAR then plugs your agency in to specific resources designed to protect, enhance, or grow your business. SOAR focuses on six key areas a startup/emerging agency needs: agency E&O, tech resources, market access, marketing, staffing/education, and operations/agency management. |
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| | Ask an Expert questions and answers provide strong resources to our agents. We receive many excellent questions regarding certificates of insurance – their issuance, the contracts that may be attached, the wording, and more. Read on to see the question and answer on this interest certificate question. |
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| | 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 needs to adopt “micro learning” as an alternative to the current multi-hour sessions. State DOIs tend to have issues with this concept; this article addresses these issues and how they really are non-issues. |
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| | What does an agency sell? One might say an agency sells price. Fair enough. But what are they selling for price? An insurance policy? Any policy? Is whether or not the policy provides the coverages the insured needs secondary, to be discovered in court together? Is an agency selling insurance I.D. cards and evidences of insurance for a price? That is all some insureds want so it makes sense to only sell them what they effectively want, right? They really do not care about coverage, just proof of insurance. Do these particular insureds then even need an agent? What value does an agent selling pure price really provide that software cannot provide? |
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| | If you’re a newly licensed producer, or transitioning from a customer service representative to sales, figuring out where to start in the sales process is key to your success. Here are 10 top tips you can use now to build your book of business. |
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| | Our Ask an Expert service offers Big "I" members insight into today’s risks or other coverage, technology, or agency management issues today’s agents encounter. This article offers insight into an important question we received: If I administer Narcan as a trained or untrained employee in emergency situations as required by the employer, will the employer’s general liability policy respond based on the “Who is an insured" definition and definition of "bodily injury”? |
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| | A surveyor’s equipment was stolen while on a job site. The adjuster denied the claim under the CP 00 10 Property Off-premises coverage, citing the exclusion for such property while on a premises you “own, lease or operate,” and claiming the insured was “operating” on the premises. Is this a correct interpretation? |
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| | Agents learn early that there are two types of property, real property and personal property. Real property is generally defined as land and everything attached to the land such as by roots, by being embedded in the land, permanently resting on the land such as a building or property permanently attached to the building. Personal property is essentially everything that isn’t real property. But there is a middle ground – fixtures. Fixtures begin life as personal property but become part of real property by attachment; however, they maintain their individual identity. Obviously, then, fixtures should be insured as real property. Or should they? Is it really that easy? |
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| | As the marketplace for long-term care insurance continues to shrink, more agents seek ways to expand their revenue and meet their insureds’ needs by offering other coverages. Critical illness coverage, which provides additional insurance protection for medical emergencies such as strokes, cancer, or heart attacks, can offer your clients protection and build customer loyalty. |
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| | Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client list have been overlooked for many years. Here's how you can improve retention and the agency's bottom line. |
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| | Viatical settlements, or accelerated death benefits, were controversial products developed in the 1980s following publicity for the AIDS epidemic. There were touted as a means for terminally ill patients to get money from life insurance policies to pay for medical treatment or other "bucket list" activities. Others viewed them as opportunistic and unethical. |
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| | You can download this Duty to Defend: What the Courts Say list organized by state for easy reference. |
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