If you looking to place a risk covering the wind and Hail, there are several options to go to depending in how old is the risk you want to insure. For instance a Condominium that is very old cannot be placed anywhere else besides Citizens Property as the private market or E&S would ask for updat...

Excellent points and feedback from all you guys, will look into the possibility to get some aggregators, I have some good GA's that have personal lines specially homes in the high, medium and low values and some of them are expensive some others are acceptable. I really appreciate all the feedback f...

Thank you so much for the advise. I will follow it through as I know the business and I do know for a fact that personal lines brings the money on the table to pay overhead expenses and cash flow.

I really appreciate the thoughts.

Mancy

I am currently a captive agent and want to go Independent next year. I am little by little building an agency and specialized in a Commercial where I have selected my market in a very careful manner. Lot of people ask for personal lines products. I know that personal lines is a time consuming and re...

Sundance, tell your friend to do an extensive research before joining Farmers as their reserve program is very long and strict and the odds to become a career agent are very slim as lot of people fail to meet the guidelines of the program. It requires all new reserve agents to produce life and finan...

You're correct by saying that the information a prospect place is different from reality. In my opinion it is a waste of time, as the prospect key the information thinking that whatever he/she has put on will go to the agent and the agent will not take the time to confirm it; however, when the agent...

To be honest to you, you should act slowly and first settle with the current captive company so that you would not get into any problems with the current carrier. Be honest to your clients and work the best for them. In the meantime, prepare yourself for the upcoming as is not that easy to get to be...

The system we use in our office seem to be working well. We talk to the insured while he/she is in a process of buying a property and obtain the information on Escrow. We monitor when they are schedule to close and when they are ready to request an EOI, we send them the EOI and request payment immed...