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... they are for more conventional property and casualty lines, too. One added expense is industry conventions. Seven years ago, I had no idea what a convention expense was, ' Regnier says. Now, we attend several firemen's and EMS conventions a year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and ... is the carrier for the hole-in-one coverage. Everhart created the association to allow him to report all of his premiums in Texas instead of each individual state. The association, which has captured about two-thirds of the hole-in-one insurance market in the , also sells promotional materials, merchandise and consulting services. Niche marketing can have its drawbacks, however. If you don't produce a profit for the underwriter, it's liable to pull the whole book of business, ' Everhart says. A few years ago, I started a program to insure Corvettes ... , before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas and San Antonio/Austin regions. The average premium is about $9 ,000, ...

...l loss magnitude. A rural setting generally increases the desirability from a ...ns Directors and Officers legal liability Property and All Risk Coverage ...

...'s and EMS conventions a year. We generally take three people-myself and two o... also sells promotional materials, merchandise and consulting services. Ni...