Closing Quote

Listen to Your Customers, and Win

For decades, the competitors of independent insurance agents have been frustrated. It seems that every so often our industry is treated to a parade of consulting firms predicting the impending demise of the independent agency distribution system, for their own …

5 Trends Driving Change in Insurance Distribution

The property and casualty (P/C) industry is in a great position for further growth in the upcoming year. Robust economic recovery along with the entry of new products and services have enhanced the industry’s outlook. This is our second annual …

Stage Set for Another Banner Year for Independent Agents

The Big “I” is very pleased that 2015 yielded a number of legislative successes. Early in 2015, the association scored a tremendous double victory when Congress acted on both the National Association of Registered Agents & Brokers (NARAB II) and …

Regulators Focused on Product Innovation, Emerging Trends

State-based insurance regulation has a 145-year history of effectively and successfully protecting consumers and fostering competitive insurance markets. As the 2016 president of the National Association of Insurance Commissioners, I’m committed to further strengthening our regulatory system.   It’s no small …

Risks of the Game

Race cars crash sending debris into the stands. Stronger and bigger ballplayers hit foul balls and send broken bats into the far reaches of a ballpark. Pucks go flying at hockey games. As a result, lawsuits abound. An Oakland A’s …

Competition Consumers Deserve

Consider the scenario: A family of three suffers an accident and needs to replace several parts on their car. It’s an expensive ordeal. In our current system, drivers are forced to rely largely on replacement parts manufactured by auto companies, …

Mutual vs. Stock Insurers

A.M. Best’s recently released 2015 “Mutuals at a Glance” report is an interesting report on differences between mutual and stock companies in key areas of performance. In its pages is a depiction of a mutual insurance industry that is strong, …

Just My Analytical Opinion

How risky is that driver with that car? What are the odds a house will flood while a house one street over will not? How do all these variables come into play when setting a rate? What price will allow …

Perception Versus Reality of Today’s Top Business Threats

In a risk-filled world, what are the worrisome problems keeping business leaders up at night? To get the answer to this question, The Graham Co. conducted a national survey of 300 senior business leaders to find out exactly what risks …

A Blemish on the Beauty Industry

Stolen wages. Twelve-hour days, six days a week. Ethnic discrimination. Verbal abuse. Noxious fumes. Birth defects. Lax regulatory enforcement. Who would have thought that describes a day in the life of a nail technician? In May of this year, The …

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