Search found 64 matches

by jtownagent
Wed Nov 08, 2017 12:30 pm
Forum: Opinions
Topic: Email Disclaimers
Replies: 14
Views: 49806

Re: Email Disclaimers

Also for quotes: The proposal does not provide any insurance coverage to you. Based on the information supplied, this quotation is an estimate of the cost to obtain coverage with the Company. Coverage, however, can only be obtained through a separate process that requires a completed, signed applica...
by jtownagent
Wed Nov 08, 2017 12:29 pm
Forum: Opinions
Topic: Email Disclaimers
Replies: 14
Views: 49806

Re: Email Disclaimers

Important Note: Insurance Coverage requested via electronic Email is NOT legally binding until you have received direct confirmation from one of our agents. CONFIDENTIALITY NOTICE: This email message is intended only for the person or entity to which it is addressed and may contain confidential and/...
by jtownagent
Wed Oct 18, 2017 10:31 am
Forum: Opinions
Topic: New Agent to be
Replies: 10
Views: 9516

Re: New Agent to be

Check our previous topic addressed under "New independent agency"
by jtownagent
Thu Apr 02, 2015 10:55 am
Forum: Opinions
Topic: Any and all advice
Replies: 5
Views: 14535

Re: Any and all advice

If you want to go into poduction/sales in P&C, I generally agree with "D". With that being said, first look within yourself and do what you enjoy. You are going to go to work everyday for the next 40 years, so make sure it is as fun, enjoyable, and brings you as much satisfaction as po...
by jtownagent
Mon Mar 16, 2015 11:51 am
Forum: Opinions
Topic: How many servicers do you need?
Replies: 10
Views: 17626

Re: How many servicers do you need?

Our CSR's "do it all". Commercial & Life business needs gets referred to others in those departments. We have incentives in place for them to refer this business "outside" of the personal lines department. If written, the CSR receive a percentage of the new business commissio...
by jtownagent
Fri Mar 13, 2015 10:48 am
Forum: Opinions
Topic: How many servicers do you need?
Replies: 10
Views: 17626

Re: How many servicers do you need?

There are so many variables involved. If you are going to use company service centers well, you may just need a few servicers. If you are going to service the accounts yourself you will need more servicers. Are these mono-line accounts, or are the "full rounded out"? This makes a big diffe...
by jtownagent
Tue Nov 25, 2014 12:30 pm
Forum: Opinions
Topic: HO-15 vs HO-5
Replies: 2
Views: 7716

Re: HO-15 vs HO-5

You will need to read the HO 5 policy and compare it to the HO-3 policy with the HO-15 Endorsement, then you need to read all of the endorsements attached to each policy, as each of the endorsements may affect the entire policy. Be careful if you are comparing ISO and "Non-ISO" contracts. ...
by jtownagent
Thu Nov 06, 2014 12:31 pm
Forum: Opinions
Topic: Insured to replacment cost or use extended endorsment
Replies: 25
Views: 30996

Re: Insured to replacment cost or use extended endorsment

I fully agree with Harrisburg Agent. The intent of this endorsement is to provide additional protection to the client that wants to be covered at full repalcement value, in the event of unforseen increases in building cost (Labor or materials) that occur during the policy term. This normally happen ...
by jtownagent
Thu Sep 18, 2014 11:21 am
Forum: Opinions
Topic: Who's your favorite personal lines carrier?
Replies: 5
Views: 16196

Re: Who's your favorite personal lines carrier?

I have four really good preferred carriers, but it seems that they are all very similarly priced on most of my new business quotes. I need someone that wins on price more often. We can sell on coverage and service most of the time, but sometimes you just need a great price. I would love to have fou...
by jtownagent
Thu Feb 13, 2014 2:33 pm
Forum: Opinions
Topic: Knob & Tube wiring
Replies: 4
Views: 25551

Re: Knob & Tube wiring

I have been told the problem seems to be higher amperage appliances and other electical apparatus that overload and overheat this type wiring. Also the fact that it is older may indicate a potential wear and tear problem just from old age. Some electricians will swear this type of wiring is safe...b...
by jtownagent
Thu Jan 16, 2014 11:25 am
Forum: Opinions
Topic: Homeowners policies and building a new home(Liability)
Replies: 1
Views: 4103

Re: Homeowners policies and building a new home(Liability)

If you are a member of IIABA sign onto their Virtual Univeristy page and review an article "Insured Locations and Dwellings Under Construction". There may be other articles of value relating to this subject as well. Any IIABA member has free access to this valuable free resource. You will ...
by jtownagent
Fri Oct 18, 2013 10:38 am
Forum: Opinions
Topic: What Would Your Veteran Self, Tell Your Newbie Self...
Replies: 7
Views: 12429

Re: What Would Your Veteran Self, Tell Your Newbie Self...

Of course profit matters, but starting out owning your own business....positive cash flow matters the most. You can be profitable, but if you run out of money everything else comes to a halt.
by jtownagent
Tue Oct 15, 2013 11:48 am
Forum: Hard-to-Place Accounts
Topic: New Insurance Agency
Replies: 22
Views: 31964

Re: New Insurance Agency

Review a prior post/subject "New Insurance Agency Startup Questions". The info may be helpful to you and answer your questions.
by jtownagent
Thu Sep 05, 2013 10:39 am
Forum: Opinions
Topic: Travelers reducing commissions
Replies: 69
Views: 157408

Re: Travelers reducing commissions

Travelers is going the Progressive route.
by jtownagent
Mon Aug 19, 2013 11:14 am
Forum: Opinions
Topic: What is your biggest pain as an agent?
Replies: 45
Views: 53385

Re: What is your biggest pain as an agent?

Think about getting a stand up desk. Just google "stand up desk". There are many options.