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... Education & training Rent (if you are a tenant) Do you have more space than you need? Are you using the space efficiently? Supplies Equipment repair Etc., etc. The biggest expense items you will have are payroll and benefits. Do shop your benefit program every year and try to negotiate the best price after you get a quote, especially with the carrier who is your current provider, assuming your experience has been good. (After all, your clients do it to you and this is a ... attract a new carrier which is interested in some new and profitable growth and is willing to pay for it. There are also carriers who want small Commercial business and you may be able to make a deal with them to move a block of business to a service center. We are not enamored of service centers under the best of circumstances, but there are some agencies with which they may be compatible. The key is to stay in touch with your clients so to offset the negative impact we feel service centers have on & ... lost accounts. If a particular producer is losing business, but the others are stable, start calling on the clients of the producer with the problem and see if you can determine what the problem is. If you are losing accounts because you don't have a competitive Workers' Comp market, profile your Workers' Comp business and see what is needed. If you need a stand-alone market, identify a book of WC business that can be transferred to a new market and go to see the potential market with a plan. You ...

...r. We are not enamored of service centers under the best of circumstances, but...al Lines accounts each month and then compensate them one time for those refer...