With golf season on the horizon, the subject of mulligans is sure to come up. In golf, a mulligan is a do-over. If a casual golfer (not a pro) hits a bad shot, they can call a mulligan and hit the shot over. The premise...
What do I mean by casual quotes? These are quotes provided to walk-in accounts or "prospects" that call the agency, or possibly current agency customers, who are essentially just looking for a number for a specific type of coverage. The exposure could be personal or...
Developing and maintaining a healthy Agents E&O culture is like cooking (although cooking is not my specialty). It often takes a lot of ingredients to make a great meal, but what is the one ingredient many people claim to be the difference in cooking? What...
While this may sound like common sense, it is amazing how often agency staff have no idea what the website and the promotional material say about the agency. They sometimes advise that they have seen it but seem to discount the messaging as "marketing fluff." When...
Over the last couple of years, the agency’s use of carrier proposals has become much more common. This trend is especially applicable with small commercial accounts or accounts in the personal lines division. Using the carrier proposal has several advantages, including: Greater efficiency. Retyping the carrier proposal onto the...
The holidays are truly a special time of year, especially during these challenging times. For some, it may be one of the few times during the year they spend time with family and friends, so be sure to take the time to let them know...
There is no doubt the insurance agency world is highly competitive, with agencies always looking to position themselves in a more favorable light. For this reason, some agencies (and possibly some producers) tend to “stretch” the truth or over-promise what they can deliver. They include...
We have all heard of the expression, “If a tree falls in a forest, and there’s no one around to hear it, does it make a sound?” Apparently, that is a debatable issue. But what about when a tree falls on a worker while he’s on a bathroom break...
Virtually every day, E&O Plus agencies make a very concerted effort to minimize the potential to face an E&O claim. They have established procedures and use auditing to assist in evaluating to what degree those procedures are followed. When bringing on new staff, a solid...
Thank you for the difference you make! I hope you have a great Thanksgiving with family and friends. HAPPY THANKSGIVING! ...