Claire , enjoyed your post as my situation is similar with the exception of the size of your book and looking after elderly family and friends. I am curious , what do you spend $150 marketing on?? Thanks for the post.

Totally agree with D and the others, concentrate on commercial accounts. Also I would add this, get out on your own as a independent, fast track it. This will require a mentor. My regret is waiting till I was in my 40's.

Thanks YoYo that is very helpful.

Hi Gabriel I would have to reply that it depends on the service model and these customers. Some are extremely low maintenance while others can be very high maintenance. Personally can say that commercial accts. 20X the premium can be less maintenance than one very thrifty personal P&C customer. ...

My experience has been that if the buyer behaves this way its one of two things. 1. No motivation to move the business or 2. A very few that believe this way they create a more competitive atmosphere. Regardless this is where I qualify the buyer and generally have no motivation to work with them as ...

Small Town, I would go to US Risk with that one. I do Umb with them up to 10M and customers always pleased with the markets and rates. My guess is if they cannot handle it then they will know who does. Ask them if Torus can quote it. Happy Hunting

Beyert1 if you can swing it, cut down the overhead and make a office in your residence and save some $$$. If you need admin/CSR help then you can contract out to a group called Wahve, that provides this service. You probably need to separate yourself from your brick and mortar, it has bad energy. Th...

Guys that was kind of depressing, however have been there and know where you are at more than once. I like you, work hard and pray a lot and it seems to help. Every time I loose a medium size account it brings me down but sometimes its a good thing as another one comes around to replace that is half...

Joey 52, recently had a Iron and Steel erector that projected his payroll to be about $240k and ended up after audit being $998K. He got hit over the head with a bill that was North of 100k. Of course he called up and was fit to be tied. When this happens, try this it certainly worked in my situatio...

Hi, am a I/A in Austin, have gone through this recently as well. I was successful in writing PPC 9 in Kileen, 1M value home
as primary and vacation homes with Chubb.

Looking for a home for hard to place commercial auto. Client is a Realtor and wants to purchase a boxvan and put their logo on the unit with a wrap and use it for advertising. Also want to be able to let clients use, example they live in a apt and will move into a residence that my client sells them...

Hello Retired 1, sounds pretty nice. National Lloyds will write it as long as it is not bigger than 3000 Sq Ft. I can write with them. Also if you send pictures and more data , can put it out to other markets. While back had the same issue with a commercial customer that lived in a dome type house. ...

Thanks John B Clinton, I did place the coverage through Midwest Insurance Company. Will keep your referal for future. Thanks again.

Guys, can anyone help. Need a market for a new customer (have all other lines) for WC. This company is a startup and the President has years of experience. They do powerwashing of drill rigs, earth work building berms, and some concrete work. Cannot use TX. Mutual or Service Lloyds. Have been throug...

Have been with SIAA for last four years. So far so good. A lot of course depends on the arrangement you are working through. Your satisfaction will be dependent on how fast the marketing employee can turn around quotes if you are like me. The contract called for 5K up front, minimum $300 monthly fee...