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...

Agents who’ve experienced a hard market know that claims are often scrutinized much more closely than they are in a soft market. Unfortunately, circumstances sometimes lead to the denial of claims that are covered regardless of market conditions. This document by the Virtual University faculty provides an example of what you might see more of in the months to come.

What are your legal names? What is the address of the property? Is your home under 40 years of age? What is the year of construction...

When you host neighborhood barbecues or invite your friends’ kids over to play in the yard, you could be responsible if someone gets hurt. Ensure you have premises liability insurance to protect your assets.

RENTAL INCOME Dear (Customer Name): You'll collect your rents as usual this month, right? Maybe not, if you've had a loss by fire or other disaster. Your tenants may have nothing left to rent! If...

TELEMARKETER'S SKILLS

You might look toward four basic types of people when you're searching for prospective telemarketers:

Your own administrative or service employees
Professional salespeople
Experienced telemarketers
New employees who express an interest in telemarketing, but have little or no sales background

SPRINGTIME QUESTIONNAIRE Check if yes: Home YES ...

WHEN CAN YOU BREAK EVEN? Some producers spend time worrying about the prices they charge without ever learning the prices they have to charge to break even. Their own business records, plus a li...