Once you step into this world, the minute a policy lapses and a claim happens, and you did not remind them of the payment due date, you can be brought in to court. My philosophy, if the client is not paying attention to the billing notices from the carrier, which normally are two to three before a ...

What kinds of volume are you all seeing in your agencies in terms of non-pay cancellations, no response audits, etc? Is this year any different than others? Of course I am talking about the "Select" (under $10k premium) segment. Over 20 years and at 6 different agencies/brokerages, I have ...

For personal lines, carriers have been doing online distribution for several years now. Right now, it's not generally possible for businesses to go online and buy insurance (except maybe things like Auto with Progressive, or programs like the stuff K&K does). Do you all see companies starting to...

I think with your stated objectives, you're going to be best suited in a large agency looking to service large accounts. However noble of you to want to give the same consideration to the $500 BOP as the $50000 or higher commercial client, the dictates of economics just won't allow it. In fact, tha...

Are you headed to a Personal Lines agency, a Commercial Lines agency or an all purpose agency? Small or large? Larger agencies are likely to have much more structure internally. Commercial is likely to have more structure as well. Smaller, struggling agencies are more prone to 'just get it on the b...

Is it pretty much standard procedure for agents to quote using the smallest, most barebones info they can get, THEN do the application? Am I crazy to think it should be app>quote>proposal, not barebones info>quote>proposal>app? Anyway, that's just an example of what I mean by procedure. Other exampl...