This content has not been rated yet.
AGENCY PRODUCTIVITY LEVELS CONTINUE TO IMPROVE by Carol Hammes Despite the ongoing soft market in Commercial lines, the average insurance agency continues to show improvement in productivity lev...
This content has not been rated yet.
MANAGING PERSONAL LINES by Carol Hammes Continuing fierce competition in commercial lines is making the personal lines niche look much more attractive to those agencies searching for viable growth...
This content has not been rated yet.
MANAGING FOR RESULTS by Carol Hammes Virtually all the insurance agencies that consistently experience above-average levels of productivity have two characteristics in common. First, they all have...
This content has not been rated yet.
DEFENSIVE AGENCY MANAGEMENT by Carol Hammes Even in the best of times, managing an insurance agency isn't easy. The past decade has brought about rapid changes in technology, created more sales...
This content has not been rated yet.
SELF-INSURANCE ADMINISTRATION/CAPTIVES IN A HARDENING MARKET by Carol Hammes Self-insurance programs, captives, and risk retention groups will grow dramatically as premiums increase. U...
This content has not been rated yet.
WEATHER THE ECONOMIC STORM: INCREASE LIFE/HEALTH SALES by Carol Hammes If you arent selling Life/Health products, you might be ignoring a source of untapped income. But how do yo...
This content has not been rated yet.
BUILDING PROFITABILITY WITH LIFE AND HEALTH SALES by Carol Hammes Although most independent insurance agencies sell some Life and Health insurance, only about one-fourth of them have a separate ...
This content has not been rated yet.
ERRORS AND OMISSIONS CONSIDERATIONS by Carol Hammes The old saying 'The cobblers children go unshod' could apply to many insurance agencies today. Thousands of agents dont carr...
This content has not been rated yet.
PRODUCER RELATIONS by Carol Hammes Despite tough market conditions and economic recessions, some insurance agencies are thriving. While the average agency has grown at an annual r...
This content has not been rated yet.
PAYING FOR PERFORMANCE by Carol Hammes Half the agencies responding to our recent Agency Compensation Survey reported paying CSRs additional compensation to reward them for their ...