The following article was taken from MyNewMarkets.com. The article goes over possible gaps in protection when college students leave home for school.
College Students and Homeowners’ Insurance Gaps
Notifying a client with this potential exposure accomplishes three objectives: 1) gives the agent the opportunity to close any coverage gaps to which their client may be exposed; 2) [read more]
5 Things You Should Know About Selling Surplus Lines Policies:
Each state regulates the insurance companies that do business in their state. As long as they are licensed by the state, to sell insurance in that state, they are an “admitted” insurance company, subject to that state’s rules & regulations. Insurance companies who are “Non-admitted” carriers [read more]
Stacy O’Guinn of the SIG Agency Alliance shares the following article taken from The Hartford Financial Services Group, Inc .
Why should you offer Hired and Non-Owned auto coverage for each commercial account?
Some companies own large fleets of vehicles with drivers hired specifically to operate them. Many more have employees who operate their own personal vehicles [read more]
The following article was taken from MyNewsMarkets.com. The article goes over three coverage gaps common enough to apply to the majority of homeowners’ insurance clients.
Three Homeowners’ Policy Gaps that Sell!
Christopher J. Boggs, CPCU, ARM, ALCM
June 10, 2009
Checklists, coverage gaps and preparation were discussed in the previous post: Gaps That Sell. As discussed, there are two [read more]
The following article is taken from The Truth About Insurance.com. It explains the advantages of choosing replacement cost on your home versus actual cash value.
Replacement Cost vs Actual Cash Value
Much like everything else we buy, insurance comes with a lot of options.
And just like everything else, you can go the economical route and give up a little [read more]
Stacy O’Quinn of the SIG Agency Alliance shares the following article taken from Ezine Articles.
5 Fast and Easy Ways to Increase Retention and Get More Insurance Leads Without Buying Them!
By Peter Ryan
Retention is really all about relationship. You create relationships by increasing your value communication. Value communication is providing content that you readers care about. [read more]
The following article, taken from MyNewMarkets.com, offers an explanation of why clients buy insurance. In order to be success at selling insurance, an agent needs to know what their clients want.
Why do Clients Buy Insurance?
Christopher J. Boggs, CPCU, ARM, ALCM
December 18, 2009
Face it, there really are only two motivations leading clients to buy insurance in [read more]
The following is a brief analysis of the Experience Modification Worksheet and some insight to what the terms mean and how it is calculated.
Experience Modification worksheets are full of valuable information if you take the time to understand the experience modification formula and how the different variables involved in the formula affect the calculation.
When you’re [read more]
Stacy O’Quinn of the SIG Agency Alliance shares the following article taken from mynewsmarkets.com.
You may think that mold or pollution exclusion on your E&O Policy is relatively harmless – until you understand exactly what is being excluded!
Absolute E&O Exclusions
Some agent E&O policies contain exclusions that may look relatively harmless – until you read them carefully [read more]
The following article taken from Insurance For Investors has answers to common questions regarding reconstruction/replacement cost estimates on homes. There is a lot more that gets taken into consideration than meets the eye.
Understanding ‘Reconstruction / Replacement Cost’ Coverage
by Kelly Troy on March 9th, 2010
When it comes to determining how much value you should insure your [read more]