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... 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, with some departments ... 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 rated yet. Competing for prospective clients costs money, with high advertising and marketing expenses taking a big chunk out of commissions. But some agencies are reducing or eliminating competition by entering niche markets. Companies often pay higher commissions for niche-market programs, and because there are few competitors-and in some cases, none at all-there are few wasted sales calls. ... Everhart notes. Avoiding areas that could involve legal or medical entanglements are an additional desirable' for new niche markets, he adds. Other desirables: the niche should lend itself to automation, it should be an easy target for direct-mail campaigns and it 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 ...

...s liability, pollution liability, medical malpractice, bonding and others. ...ry camp,' says Monaghan. 'We just look for the cream of the crop. That gives u...