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...e this form to make sure no agency wastes your time in inquiring about a clust...to you for consultation on insurance programs, underwriting, placement, insura...

...e this form to make sure no agency wastes your time in inquiring about a clust... record-keeping, and other related facilities. 3.3 Our marks and symbols-We w...

...ports and presentations will avoid wasted time and unnecessary consulting fees...environmental or hazardous products liability risk assessments, consider going...

... 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. Niches are windows of opportunity. They often begin with a request for special coverages from a single customer. If the agent seizes the opportunity, that one request can blossom into a fertile market. In fact, the opportunities are so numerous and ... wild fluctuations in premiums, last-minute restrictions and other aggravations that left them unable to prepare adequate budgets or schedules. Hibbs-Hallmark wrote its own stringent underwriting guidelines (requiring one counselor for every four students, written safety plans, sexual abuse policies and safety evaluations of equipment and facilities, among other things) and arranged an exclusive contract with a carrier. Today, it insures about 60 camps in Texas , Arkansas and Missouri , with $1.5 million in annual premiums. We don't insure every camp, ' says Monaghan. We just look ... the cream of the crop. That gives us a good loss ratio, and keeps our companies happy, because they make money. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency ...

... anyone with whom you are interested in entering a cluster. The form can and should be modified to reflect your cluster's particular attributes. This form will help weed out the "windowshoppers" . You should use this form to make sure no agency wastes your time in inquiring about a cluster arrangement-but you should have an attorney review it before using the form. INTENT TO ENTER INTO A CLUSTER AGREEMENT (SAMPLE) On a non-binding basis, I (we) agree to enter into an agreement to participate in a ... Insurance products, programs, and markets-We will provide you with products, programs, and markets that you may use only in selling directly to your existing and prospective clients. 3.2 Financial services-We will provide you with cash-management services, accounting and financial record-keeping, and other related facilities. 3.3 Our marks and symbols-We will give you the right to use our marks to identify your agency and broker services. a. You are obligated to use, in accordance with our specifications, our identifying marks in all of your written communication with insurance companies ... _____ $ _____ Gross Commission $ _____ $ _____ $ _____ 2. Estimated Agency Mix of Business - Property & Casualty Lines Previous Year Current Year Forecast Fire & Allied ___% ___% ___% Marine ___% ___% ___% General Liability ___% ___% ___% Crime/Fidelity/Glass ___% ___% ___% SMP & BOP ___% ___% ___% Commercial Auto ___% ___% ___% Workers Comp ___% ___% ___% Personal Auto ___% ___% ___ ...

...e cases, none at all-there are few wasted sales calls. Niches are windows ...afety evaluations of equipment and facilities, among other things) and arrange...

... anyone with whom you are interested in entering a cluster. The form can and should be modified to reflect your cluster's particular attributes. This form will help weed out the "windowshoppers" . You should use this form to make sure no agency wastes your time in inquiring about a cluster arrangement-but you should have an attorney review it before using the form. &# 160 INTENT TO ENTER INTO A CLUSTER AGREEMENT (SAMPLE) On a non-binding basis, I (we) agree to enter into an agreement to ... programs, and markets-We will provide you with products, programs, and markets that you may use only in selling directly to your existing and prospective clients. &# 160 3.2 Financial services-We will provide you with cash-management services, accounting and financial record-keeping, and other related facilities. &# 160 3.3 Our marks and symbols-We will give you the right to use our marks to identify your agency and broker services. &# 160 a. You are obligated to use, in accordance with our specifications, our identifying marks in all of ... _ $ _____ $ _____ &# 160 2. Estimated Agency Mix of Business - Property & Casualty Lines &# 160 Previous Year Current Year Forecast &# 160 Fire & Allied ___% ___% ___% Marine ___% ___% ___% General Liability ___% ___% ___% Crime/Fidelity/Glass ___% ___% ___% SMP & BOP ___% ___% ___% Commercial Auto ___% ___% ___% Workers Comp ___% ___% ___% Personal Auto ___% ___% ___ ...