E&O: FAILURE TO READ A POLICY IS NO DEFENSE by Al Diamond Although the case cited in this article centers on a New Jersey ruling, it highlights the potential for exposure in all states....

BINDER BILLING - EXISTING ACCOUNT Dear (Customer Name): RE: While your policy is in the process of being issued, please accept this (Binder Number) as evidence of coverage. As soon as the polic...

BECOME AN EMPLOYER OF CHOICE: FIND AND KEEP GREAT EMPLOYEES by Diane Herbert and Pamela Millard Make your agency attractive to quality employees. Great employees look for g...

THE BALANCE SHEET DOES MATTER! by Chris...

TOTAL ACCOUNT SELLING TO PRESENT CUSTOMERS Dear (Customer Name): WE VALUE YOUR BUSINESS! (Your Agency Name) is proud to have you as a customer. You've been with us for many years, and we...

HOMEOWNERS RENEWAL Dear (Customer Name), THANK YOU FOR RENEWING YOUR HOMEOWNERS INSURANCE WITH (COMPANY NAME) By now you should have received your HOMEOWNERS POLICY. If you haven'...

KEEP EMPLOYEES HAPPY! by Grace Bauer Have you ever asked yourself, 'Am I treating my employees the way I would want to be treated?' The more I talk to agents, the more I realize so...

PERSONAL INSURANCE RENEWAL PROCEDURE DIRECT BILL 1. 60 days prior to expiration run expiration list. 2. Using mail merge capabilities of the system, generate personal lines direc...

You are not in control.
Your employees are volunteers.
There's no such thing as a long-term carrier relationship....

Do customers really want more personal service? The answer may seem obvious, but is it? It's true that there are plenty of complaints-many of them justified-about shopping in stores where sales and service personnel are in short supply and the workers lack training, courtesy, and a desire to be helpful. But is all this a plea for bringing back old-fashioned personal service? It may seem so, but what's actually happening is quite different and far more significant.