What markets are hot around the country for Bank D&O and Bond coverage.

I feel like I'm defending my honor here <smile> MA-Guy, based on the few words you posted here I would guess you struggle mightily to succeed in this business. In every profession there are ethical individuals and those who miss the mark. It is true of agents and of consultants. When I started my pr...

I work with more than 100 different agents / brokers a year. Most of those are my client's current agent. I bring new brokers in when there is a problem with the current service / coverage. I usually use a broker selection process - a structured review of the abilities of a broker including intervie...

First to Risky, I have heard the same concern regarding hourly fees from many people. In my own practice I never charge by the hour - I only work on a project basis. My fee is fixed including all expense. My client also knows exactly what is to be spent on my service and can decide beforehand if the...

Bill, let's accept Jtabosida's premise… - Premiums are higher in CA than in Maine. --If premiums are higher then the value of assistance in managing an insurance program is higher. --If value is higher, a consultant's fees are higher. --With higher fees a consultant can afford to pay higher E&O ...

Your clients don't think you're free. They all know that either the agent or the agency is working on a commission. All insurance buyers know that higher premiums mean higher commissions. It's no different from any other commercial transaction. The seller of the product has a bias for their product ...

Sanddog, the key distinction in my approach is that I never accept fees or commissions from insurance companies or agencies. I don't let them buy me gifts or lunch. I never sell insurance. I don't own insurance company / agency stocks and sold the stock I did own in one bank when they bought an insu...

Not sure where you get Farmers insurance - I spent 20 years in independent agencies - 17 as a commercial producer. I'm not sure what you are looking at to get PL - my bio is out there for all to see on my website. I have clients with operations in every state and have mentored consultants in CA as w...

Five years ago I started my consulting practice after 20 years as an agent. I make a great income. I set my own hours. My clients seek me out and appreciate my work. I don't worry about markets, underwriters, premium increases, or commission cutbacks. I work from my home in a beautiful, comfortable ...