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...rage enhancements at midterm. Good automated work flows free up CSRs' time, al...re covered, our clients are protected, and our income has been maximized. That...

...isis that could be caused by fire, auto accident, lawsuit, health problem, or ...olidate her existing multiple policies and purchase a package policy.   ...

... distressing tendency to get so caught up in the soft market renewal frenzy' that you fail to notice (or gloss over) the detriments of a cheaper renewal alternative. Examples: the Umbrella that doesn't include employees' in the definition of insured'; the Commercial Auto policy that limits radius of use; the claim, as opposed to loss, deductible; the Property policy with out an agreed-value provision; the Rental Property Liability coverage with a Pollution exclusion. Solution: Develop an online coverage matrix for any line in which coverage ... from carrier to carrier, and for company-specific products. Keep them current. Get double duty from that effort by using the matrices in your proposal documents to show why your proposed coverage is better that the competition's (or to show why a cheap alternative has coverage detriments) . Problem: I never said that, ' often uttered in response to your CSR's statement to the insureds that they removed their Physical Damage coverage just a few months before the vehicle was vandalized. Solution: Send a confirmation letter from your office for every change ... by your agency. Ideally, your agency system should be set up by management, so that these letters will go out as a normal part of end-of-day processing: a non-optional byproduct of the system's change transaction activity code. Problem: Your carrier non-renews a policy for legitimate underwriting reasons. Your clients assume that you, their wonderful agent with all those companies, will replace the policy and keep the coverage in force. No problem at all if you can replace it-but it could be a huge problem if you can't replace it, ...