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...es, speed traps, and “bad parts of town” would be the rule. A map dated after...

...eed traps, and “bad parts of town.” A new map, post I-10 and I-49,...

...re was a five-car accident in your town last night: One of the driver...ese numbers will only increase your liability for information left there. ...

...e antique shop in a trendy part of town. Her sales have grown steadily during ...

... them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need people in these small towns who know the firefighters, who know the mayor, who can rub elbows with these people. Cities want to do business with a local agent. So far, the agency has only signed about a dozen municipalities and a few private ambulance companies. But Regnier says ... 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. If the Legislature changes the law, it could put us ... 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 ...

... up the form provided by an out-of-town agent and needed a clean version to fi...rage because they involve no public liability, Everhart notes. Avoiding ar...

... on his own behalf or as an employee, associate or partner of another, engage in the insurance agency or brokerage business (including that of insurance adviser, consultant or risk manager), within the City of [City, State] or within any city or town within twenty (20) miles from the borders of said [City] . [Employee] covenants and agrees that he will not during the term of his employment nor for a period of two (2 ) years thereafter, directly or indirectly, induce any ... %) of all reasonable operating expenses which shall be defined as fuel and normal periodic maintenance charges. Specifically excluded from said costs are the costs of insurance, registration, lease or purchase payments and repairs or maintenance charges other than the normal periodic maintenance required by the car manufacturer's warranty provisions. Said ten percent (10%) reimbursement of costs is to be made when and as billed by [Agency] and represents reimbursement to [Agency] for that portion of the time when said vehicle may be used for [Employee] ... EMPLOYEE ADDRESS/CITY,STATE] (hereinafter referred to as Employee') . WHEREAS, [EMPLOYEE] is duly licensed by the [STATE] to engage in the insurance business for the purposes set forth herein, and WHEREAS, [Agency] conducts a general insurance agency business duly licensed as such by the Commonwealth of Massachusetts, and WHEREAS, [Agency] desires to employ [Employee] and [Employee] desires to be so employed upon the terms and conditions hereinafter set forth, NOW THEREFORE, in consideration of ...

...City, State] or within any city or town within twenty (20) miles from the bord...business in accordance with the same general principals and practices as shall...