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This is the time of year when there is typically more news regarding carrier ratings as rating agencies review the 2021 financials of most P&C and L&H carriers. Already, there have been some announcements dealing with carriers doing business in Florida, with some of those...

For many years, I have been tracking the impact on the insurance industry from dog bites, and virtually every year, the impact grows. As noted in this excellent article published by the Insurance Information Institute, in 2020, dog bites and other dog-related injuries accounted for $854 million. That...

Would you probably agree that from time to time, conversations between the agency and your customers (whether on the phone or face to face) do not go as planned? There are a whole host of issues that could prompt a customer to become very agitated...

Imagine that you are looking to insure a nail salon (there is a specific reason why I am picking this type of business). You meet with the owner, and as expected, liability limits come up. This business has enjoyed a positive loss experience and currently...

How good is the hand-off in your agency? I am not a big track & field person (although I have run nine 15K races), but it isn't hard to appreciate the intricacies of many events and how timing and execution are often the key differentiators between...