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... CMU (concrete-masonry unit) is, ' for example, says Ward. The agency also spends a great deal of time issuing bid bonds for clients who are bidding on jobs-as many as 20 bid bonds for every successful bid. The agency receives no commission unless the builder wins the bid. A final drawback: the agency is at the mercy of the same market forces that create dramatic swings in the construction industry. If contractors aren't working, then the agency isn't making any money on that line of business. Still, the ... Newsletters Employees Articles Blog Photos Group Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Windows Of Opportunity 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Damond Benningfield This content has not been ... /casualty lines entirely and replaced them with a smorgasbord of niche programs. Niche marketing is also a way to maintain aggressive markets since many carriers such as Chubb, AIG, and most recently, St. Paul are putting their emphasis on profitable target markets. Of course, there are risks. Because niche markets are highly specialized, changes in market conditions, legislation or regulations can erase them quickly. And agents entering new niche markets must spend time learning specialized rules as well as the workings of the industry they are writing. ...

... markets. Of course, there are risks. Because niche markets are highly spe... Monaghan. 'We just look for the cream of the crop. That gives us a good loss ...