Posted On: January 27, 2005, 1:25 pm CST

Posted By: tony

We write personal & small commercial lines
as an independent agency. Personal has
been transformed into primarily a commodity
and, as such, the presence of a production
& loss ratio-based contingency is irrelevant to which carrier gets the order.
As regards small commercial; if the agency
writes a higher-quality and volume; don't
these "social engineers" realize that those insureds with the "performing" agency in the eyes of the carrier are
treated better by the carrier in the form
of better pricing, etc? Buyers who perform
from a loss ratio standpoint need to align
themselves with agencies who perform, in
the eyes of the undewriter. What happened
to a free market, agency/principal dealings, and performance-based rewards?