DON'T WAIT FOR A TRAGEDY TO START WORKING SMARTER by Grace Bauer Why do we wait for a tragedy to happen in our lives before making changes to work smarter and be happier? We often...

Which comes first, the chicken or the egg? There’s a general perception that agency value has been increasing during the past few years. Bill Schoeffler explains why this belief is partially true and partly the result of a self-fulfilling prophecy.

During the past few years, there have been some notable acquisitions of agencies that seemed to push the agency value envelope. In some cases, banks were making their platform acquisition and thus willing to pay top dollar to their first acquisition of a large, well-run firm. In other cases, publicly traded firms were able to exploit their high price-to-earnings ratio to offer a high price to the seller.

DUE DILIGENCE IN AN AGENCY SALE OR ACQUISITION by Al Diamond Proper Due Diligence permits you to assess the true earnings potential of any acquisition or merger poten...

DUE DILIGENCE ISNT A STRATEGY! PARALYSIS BY ANALYSIS by Mike Manes Due diligence is a process that allows everyone involved to CYA (a military term that means 'cover your ass...

E&O EXPOSURES IN INSURING YOUR NEIGHBORHOOD TAVERN by Curtis Pearsall Although many towns might not have a hardware store or a dry cleaner, chances are theres a tavern in your nei...

E&O IN COMMERCIAL AUTO by Curtis Pearsall In virtually every Commercial Lines agency, theres a good chance that most of your accounts have a Commercial Auto exposure and that you w...

A client who utters these words might well be laying the groundwork for a nasty E&O claim. Consider this case:...

E&O ISSUES AND RECOMMENDATIONS by Grace Bauer We get so caught up in our daily crises and day-to-day workloads that we often don't have the time to take a good look at how our agency is ha...

E&O LEGAL ACTIONS: THE AGENCY NEMESIS by Roy L. Phillips, CIC, CPIA and Dan R. King, CPIA This article addresses an insurance agency's the most common practices that lead to Errors and Omissio...

My E&O classes include discussion on claims frequency by line of business. When I bring up the issue of Life insurance, many folks have trouble identifying...