Most agencies are automated, some even using their second or third generation of automation. Many agencies load their policy data into the system, interface with their carriers and rarely access their paper files. Few agencies, however, are taking advantage of a well-managed client database. Gathering meaningful data that you can regularly manipulate is the key to successful database management.

Follow this six-step program to keep ahead of the pack.
The idea of 'value-added' is changing. The term has become so overused that it's now of little value to most customers. So-called value-added resellers stay in business by discounting, rather than adding anything significant to their products. In service businesses, value-added usually means a few bells and whistles rather than extraordinary service.