HARD MARKET - EMPHASIZE SERVICE Dear (Customer Name): As you know, insurance rates are increasing. Some coverages are hard to find. You are caught in what is known as a 'hard market,' a market cyc...

SOFT MARKET - EMPHASIZE SERVICE Dear (Customer Name): WHEN IT COMES TO SERVICE, (Your Agency Name) STANDS ALONE. We know you expect top-quality insurance service at an affordable price. At (Your Ag...