I have actually told a client who was perpetually late, in cancellation status, we had rewritten the policy several times, was always making changes...the last time I told him I was no longer interested in rewriting his business. His premium had been decent initially but as his finances started to ...

One of 2 things is going on- she either did in fact fail to "book" the account., or is simply stealing- 1- Notify the Insurer and demand a claim investigation- what she gave you may be legally binding on the Insurer- but you need to seek advice of counsel to verify that ultimately. BUT- y...

Snarky editorial comment: I never ceased to be utterly amazed at the number of times I'm confronted with this kind of situation as an insurance agency owner from presumably intelligent people who co-sign and go on title for relatives, employees and friends and then act amazed that they become respon...

You need to make one final phone call threatening to go to your state's insurance regulatory authority, and if you don't get a quick response, look up the consumer complaint area of the insurance commissioner's office and tell them your story. There are just all kinds of discrepancy issues here and ...

Pardon my ignorance, but when you use the term 'franchise' agency, are you speaking of a captive arrangement, most notably demonstrated by an Allstate, State Farm, Farmer's or Nationwide business model, or are you referencing a group type MGA relationship, where you pay an entry or ongoing fee, have...

You can do nothing and pretend you never had the conversation with the homeowner. Then, everything's fine until there's a claim. Or, you could just make the effort to find a Vacation Rental policy for that guest house. There are a couple of admitted markets or a vast surplus lines marketplace for dw...

You need to start with the premise that EVERY lead company professes to be the best, with the highest contact rate, the lowest bad lead count and the easiest to get credit for bogus leads. I'm the one responding here, so you now need to accept my premise that from my experience in California, ALL pa...

D's insurance store...at least you have motivational speaking as a natural talent once our industry fails. :wink: I do agree with your comments though, its important to align yourself with the companies that value our work (for the time being, because it can change in a heartbeat). Like yoyowordup ...

http://www.appund.com sucks and would pay even less commission than any direct appointment. How would that help? MGA's and cluster groups can only realistically be used to fill isolated gaps where direct appointments are non existent. I think those of us who've been around for decades tend to forge...

Your only action is to be nimble in the marketplace and take full advantage of your independent status and thank your lucky stars you're not a captive. Use your comparative rater to figure out who might be more competitive in the risk categories you're exposed to and pursue other appointments. None ...

Thanks everyone. An interesting tidbit is that I am the only one who has sold any commercial policies in this office and when I did, the very next day I was yelled at for not "spending too much time with a client" and not "being nice" in an email to someone who can't bother to c...

No job comes with guarantees anymore. The agency principal has no obligation to check with you before changing the definitions and you have no obligation to rent your talents to a shop that doesn't provide a work environment that you're looking for. Life is way too long to be miserable in a job or t...

Should we expect the fate ( money up in smoke) to be the same if we get started as an insurance franchisee? My understanding is that a new agent can be trained and assigned if we are part of an insurance franchise. There are several companies doing this now. Thanks. Look, what you're missing is the...

I think you've got two options here...the first: Get licensed, find an office location, put up a sign, call a handful of companies and get some appointments, take out a large yellow page ad, join the chamber of commerce, join a service group like rotary, sponsor a little league team, sign up all you...

Of the people on here that posted back in 2009....who is still around as a Farmers Agent? 6 years later I am still standing proud and making a heck of a lot more money than I did back then :) The captive system, commonly thought of as Farmer's, State Farm, Allstate and a handful of others, still wo...