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So here's the deal. I have a bookkeeping & tax business, and I am also fully licensed in Idaho (Life/Health and Property/Casualty) and I have an fully licensed agency in Idaho. I am really busy with the accounting portion of my business, but I currently have requests for quotes for commercial auto, business owners and commercial liability waiting to be quoted. But with my other workload, I just haven't had time to jump on anything. I don't want to lose them completely, but I just am pushing the limits on my time. So I am looking for someone that I can get to quote and write the policies, but I would like to still be compensated. I would service the accounts, because they would be bookkeeping and tax clients as well and I would be the "trusted adviser". Is there someone out there who can help me? With the bookkeeping business, I am constantly getting requests for commercial coverage for new and/or small businesses. But I don't have time to put all of the paperwork together and deal with back and forth to get it placed. I'd gladly give up the majority of the commission to keep my clients happy. And I really would like to run any commissions under my agency, if possible. So basically I make the initial contact, your company actually writes the policy doing all of the footwork on the back end and keep a sizable piece of the commission. And then I will be the contact for the client for any service needs. I'd love to hear any thoughts on the whole idea. A. Brian Cogan

Cyber Liability is a coverage that a growing number of businesses are demanding, but it's also one that still seems to be in the developmental stage. The trade press is loaded with reports about the cyber loss pandemic, cyber symposiums are taking place all over the world, business and insurance executives are commenting on the growing demand for cyber coverage. Yet I've seen very little in the way of specifics as to who the 'players' are in this arena, what the pricing is like, what terms and conditions are desirable or to be avoided. Among the carriers we represent who write cyber coverage, there's a lot of hand wringing about the eligible classes of business. The complexity of the application forms is another challenge - it took our IT vendor's computer tech nearly two hours to complete one carrier's app, with the comment that the average business owner would be unable to complete it correctly. If you've got a market that offers a comprehensive policy, with an application that can be completed by a layman, and pricing that isn't jaw dropping, I'm sure there are many readers who'd love to hear from you.