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... work. Hank was a buddy of mine for more than 20 years. We hung out in high school and college together. We were best friends. Then he did something I didn't like. I was angry. And I didn't tell him. We slowly drifted apart. Why didn't I tell him how I felt? Not sure. I guess I was just into being right and angry with him. Then, about a year ago, after seven years of not talking to him, he called me up and asked to ... x No Thanks Loading.. Communication Builds Trust 4/30/2013 by CompleteMarkets Editor , bill cates 1 Verified Reviews - 5 of 5.0 1 2 3 4 5 Why we all need honest communication in our business and personal lives. In his book Just Be Honest, Steven Gaffney believes that withholding thoughts or feelings from others is a form of lying. If we accept this fact, we must admit that all of us lie a good deal of the time. We withhold our thoughts and feelings from our loved ones, ... they (including our clients) withhold information from us all the time. Let's look into this a little further. We need to create a business culture in which our clients feel totally comfortable with telling us "everything." So, I hope you're in the habit of checking in with your clients on a regular basis to make sure that they're completely forthcoming with how they feel about doing business with you. Want a gutsy way to ask this? Say to your clients, "Let's forget about the market for a minute ...

... has only to make a business decision. Finally, the checklist demonstrates your professionalism to the client. Once you've initiated a discussion of the risk-management process with them, you're in a position to talk about insurance and non-insurance methods of dealing with risk. This sets you apart as a competent professional able to present alternatives, rather than the stereotypical salesperson interested only in making a sale. This builds the strong trust relationship that's essential for a long-term relationship. The beauty of this activity is that almost all systems have built-in account checklists and ... never write a Commercial account without inspecting the risk. This applies to both new business and renewals. If the account is too small to inspect, you would be better off not writing it. If an insured does something you don't know about, or if the building has features not considered, you might fail to advise the insured properly. Take photos of the front, rear, and sides of the property; if possible, take some inside. Diagram the premises and highlight any special processing. Have the insured walk you ... : Determine how each of your carriers handles this type of exposure. Get their procedures in writing, and ask them to notify you in writing if they change. Once you know how individual carriers each handle the exposure, you can proceed accordingly; Get in the habit of conveying to the carrier, in writing, instances in which proper notice has not been sent to the various parties involved. In other words, document your file and always leave a trail; If the carrier elects not to notify, ask if you can ...