VU Resources

Consistency or Intensity? 

When it comes to getting results, which is more helpful: consistency or intensity? What really wins? While each has its place and both are important, one matters more. Ultimately, consistency eclipses intensity every time. Read on for more sales tips from the Sitkins Group. 

Man standing on a top

Are We Making Teaching Insurance Ethics Too Hard? 

Our reliance on an ethical framework for decision making impacts almost everything we do as insurance agents and consultants to the industry. Yet we repeatedly witness decisions that lack an ethical basis, and these lapses impact everyone. In the case I will discuss below, one wrong decision impacted the agency’s commissions, the carrier’s premium and…

Tiny smart woman sitting on a huge book and reading, learning and education concept

There’s Much to Gain, Nothing to Lose By, Engaging Insurance Employees 

In today’s competitive employment arena, employee engagement is more important than ever. With increased mergers, larger agencies aggressively poach talent, often offering higher pay and better benefits. How can you compete? Kari Glennon, senior consultant of Sitkins Group, Inc., guides you through ways to engage and nurture employees.  

A group of paper people coming together. Community and friendship concept.

Running MVRs for Commercial Auto Clients

Agents often get pulled into spots they don’t need to be; one of those is pulling MVRs for commercial auto clients. If asked to run MVRs for your commercial auto client, what should you do?

Businessowners Policy Endorsement Changes

ISO’s Businessowners program remains very adaptable to ever-occurring changes in the business environment. The fact that the program has remained relevant and adaptable over the past four decades is a testament to their endurance. Enter the Micro BOP and its new endorsements.  The recent endorsement modifications center on changes in cyber risks, which is an especially critical issue facing all businesses today.  New Endorsements …

ISO Expands Businessowners Classes Covering Garage Operations

Introduction  Since most claims in auto service risks arise from slip and falls, ISO removed eligibility of auto service risks from garage coverage. Given this, these risks were more appropriately written under the ISO Commercial General Liability Program.   Now, after a recent multistate ISO filing, automobile service operations are eligible for Businessowners coverage. You heard what…

A Real-World Insurance Learning Laboratory Revisited

Since the original wildfire article with this title was written six years ago, the frequency and severity of these real-world natural catastrophe learning laboratories continue to challenge our understanding of the insurance mechanism and its ability to assist policyholders to recover after such events. While we could focus on the expanding world of extreme natural catastrophes, this…

A forest glows as the fire burns out of control on a mountain hillside in the Pike National Forest behind the Platte Canyon High School as it works it way through the pine trees above highway 285 near the small town of Bailey, Colorado.

The Insurance Agent’s Guide to Selling Flood Insurance

You don’t have to be an expert in flood insurance to help your clients feel secure and position yourself as a valuable resource within your community. Here is a guide to understanding flood insurance essentials and how you can become an authorized flood agent.   What is a Flood by National Flood Insurance Plan (NFIP) Standards?  Before selling flood insurance, it is important to…

Understanding Engineering Insurance and Deterioration of Stock Insurance: A Guide for Insurance Agents and Carriers

For insurance agents, carriers and adjusters, understanding specialized insurance products is critical to crafting tailored insurance solutions for clients across the industries. Two lesser known but useful insurance coverages are Engineering Insurance and Deterioration of Stock (DOS) insurance. While these are two distinct coverages, they are often sold together.   Better understanding these coverages allows you to target your potential audience and…

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