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... . 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. We had a large client base. But then the carrier doubled its sports car rates and practically put me out of business. Also, his lines of business are sensitive to changing legislation. The notary public bonds and used-car dealer bonds are required by the state, ' he explains. ... you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and ... should produce cash payments in advance. Finally, each of his current product lines requires almost no after-the-sale service-there are no change-of-address or lengthy claims-adjustment forms to process, for example. These three rules helped Everhart's agency record $4.5 million in revenue in 1991, and he projects more than $5 million in revenue this year. The agency currently has 75,000 customers and 40 employees. Everhart says hole-in-one coverage is his most profitable line of business. About 15,000 golf tournaments in the , and the carry hole-in-one insurance through ...

...gram to insure Corvettes. We had a large client base. But then the carrier dou...to handle summer camps because of the large number of children involved and th...