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... coverage is his most profitable line of business. About 15,000 golf tournaments in the , and the carry hole-in-one insurance through and Everhart agency subsidiary, the National Hole-In-One Association. The tournaments offer prizes for holes-in-one ranging from a few thousand dollars cash or a new automobile to $1 million cash, and buy insurance to cover the award if somebody actually records an ace. Premiums normally are about two to five percent of the prize value. Aetna Casualty and Surety Co. is the carrier for the hole-in-one coverage. Everhart created ... bonds and used-car dealer bonds-are marketed solely within Texas . The others-personal watercraft (jet ski) insurance and hole-in-one coverage-are marketed outside the state as well. When Everhart started his agency on April's Fool's Day 1970, he handled standard fire and casualty lines and specialized in the trucking industry. But he quickly found that he was spending most of his time convincing carriers to underwrite programs instead of selling products to potential customers. That seemed like a waste of time. So he dabbled in niche markets, enjoyed the change of pace and eventually ... per employee. We do 50 percent per employee higher than a general agency. In fact, target marketed' programs, as he calls them, are so profitable the Everhart has abandoned more conventional lines of business. Two of his four niche programs-notary public bonds and used-car dealer bonds-are marketed solely within Texas . The others-personal watercraft (jet ski) insurance and hole-in-one coverage-are marketed outside the state as well. When Everhart started his agency on April's Fool's Day 1970, he handled standard fire and casualty lines and specialized in the trucking industry. ...