This isn't the kind of answer you're looking for and I'm likely going to come off as an arrogant agency owner, but why are you devoting so much energy and effort to a small commercial account that is already demonstrating the kind of financial distress that forecasts low quality business. New-in-bus...

You might reach out to your carriers...many personal lines carriers offer book, on line or classroom training that is specific to the products offered by each carrier, but perhaps in total, might be enough to impart knowledge to jump start the producer's productivity. A great attitude and reliabilit...

As the above post indicates, the business of P&C retailing has changed. I'm chuckling as this post falls into the category that I describe as '...I have a case...', meaning that as retail vendors of personal lines P&C, all of us have specific policies or clients who have had 'interesting' hi...

I got my P&C start with the crooked 'A', but that was decades ago when the personal lines insurance environment was very different from what it is now. You're being recruited by Allstate because you've likely got a track record selling life. That product is a very important profit center to Alls...

A long time ago when I took the license exam for both P&C and Life, the 'cram' courses taught to 'the test' meaning they didn't dwell on insurance theory or information. The student was just taught the answers to pass the license exam. The schools regularly sent people with great memory to take ...

You don't list an origin location, so it's hard to draw any firm conclusions from your plea for advice. I refuse to believe that EVERY retail insurance broker in your area just caters to non-standard auto for financially challenged consumers. If these are the only agencies YOU'RE aware of, then you'...

First, I'm sorry for your loss. Secondly, and seriously, you need to engage the services of an attorney familiar with business law. Posting a question here regarding your financial future and the legality of a broker relationship in a specific state is not to your benefit. Besides, even if someone p...

I am studying the same idea here in the State of Texas. . And i greatly appreciate you input. My Question is, how do you get Appointed with carriers ? What is the step / steps and or procedures ? Kindly please elaborate There is no 'independent insurance agency in a box' or 3 ring binder that will ...

I'm not disillusioned about the risk and difficulty of opening a new business. I expect to work late nights and weekends. I also understand that there are inherent differences between independents and captive(although I haven't opened a 3 ring binder in 20 years lol). I have a college degree and co...

It's highly unlikely you're going to be able to launch a scratch agency with direct appointments given zero history in the independent space. As the prior poster mentioned, making a first contact with an agents association in Florida is a start, but my opinion is that you are fooling yourself that t...

TIC/Tenants in Common is a relatively common title holding in high property value, multi family dwellings like San Francisco. It's not quite an HOA. In the case of multi family dwellings, there are multiple owners with equal standing who have side agreements as to occupancy of individual units. Real...

The concept of 'freedom' is illusory. Instead of working for one jerk of a boss, you'll be working for hundreds of jerks and a single supplier who sets rules and prices for your product. Based on what you're describing as current status, I'd learn to suck it up, find a diversionary hobby on your off...

Are you currently using online leads? If so, which ones? [/b] Oh, George...I have pissed away tens of thousands of my hard earned dollars on internet insurance leads...in my own state and other states as well. Not in the past four or five years, but prior to than, I was an admitted lead junkie, try...

I'm a dinosaur with 36+ years in the biz. You're correct, there is a growing trend to interact with prospects & clients via email, with the expectation that every concern can be addressed in full with either 280 characters or a couple of paragraphs in an email. I think what you're trying to do i...

A quote is just that...a pricing indication. The vast majority of carriers where an agency has direct access to the quote/bind platform require underwriting info to initiate coverage and will not back date coverage from a quote date. Whatever your capacity in this business...owner, agent, csr...you ...