ADVICE AS A VALUE-ADDED BENEFIT by Jack Burke Despite turbulence in today's health field, HMOs have made dramatic inroads into our national concept of medicine. Twenty years ago, most pe...

Appropriate claims handling can easily reduce payouts and an entity’s losses by 20%-50%. In this article, Monte Gale provides an adjuster’s guide to controlling a loss once it’s submitted.

Personal Lines competition continues to intensify, as more and more players enter the marketplace. However, independent agents can fight back — if they're willing to make some fundamental changes in the way they do business. In this two-part document, Peter van Aartrijk presents 17 ways to help you build your Personal Lines book. If implementing all of them seems impossible, try three or four. But make a commitment, and go for it.

HOW TO LOSE MARKET SHARE TO THE COMPETITION by Jack Burke This is intended to be a wake-up call for some insurance companies and all independent insurance agencies. The world of business ...

IX. OTHER LIABILITIES
'Producer' will have no authority to place 'Agency' under any financial liability other than the binding of insurance coverage where 'Agency' authority exists. Any liabilities incurred by 'Producer' on behalf of the 'Agency' will be strictly prohibited and become the sole responsibility of 'Producer.'

INDEPENDENT CONTRACTORS: ARE THEY OR AREN'T THEY? by Marvin Sahl, CLU The use of independent contractors can give businesses greater flexibility and lower labor costs, reduce taxes, and someti...

INDEPENDENT CONTRACTORS: ARE THEY OR AREN'T THEY? by Marvin Sahl, CLU The use of independent contractors can give businesses greater flexibility and lower labor costs, reduce taxes...

The Internal Revenue Service (IRS) has marched on, and now there's more to say about classifying employees. Federal law (that is, IRS regulation...

NEW IRS EMPLOYEE CLASSIFICATIONS by Marvin Sahl, CLU The Internal Revenue Service (IRS) has marched on, and now there's more to say about classifying employees. Federal law (that is, IRS regu...

PERPETUATION FOR FAMILY AGENCIES by Brian Burke Gifting agency stock can be part of an estate-planning strategy. It can also be an attractive part of the perpetuation of a family...