A BRIGHT FUTURE FOR SMALL AGENCIES by Chris Burand Independent agencies, even small ones, definitely have a bright future. Offer better service related to a specific product or offe...

A FIRE CAN DO MORE THAN JUST DAMAGE YOUR BUILDING Dear (Customer Name): If a serious fire occurred at your ( ), your first thought would probably be for the immediate...

CARGO Dear (Customer Name): While driving to work, you've probably heard traffic reporters report with humor the various truckloads of cargo that occasionally spill onto the highways. Food, liquids...

FURNITURE DEALERS - 'YOU DON'T JUST SELL FURNITURE' Dear (Customer Name): You don't just sell furniture. You may also offer antiques and curios. You may provide decorating services to your custo...

TRANSPORTATION Dear (Customer Name): ARE YOU RESPONSIBLE FOR AN ACT OF GOD? When your merchandise is shipped, the transporter's contract probably stipulates that you are. An 'Act of God...