Go back and rework the loss ratio using the new mod and higher premiums for the past years...look's better right? You have to find an underwriter who likes to get the benefit of the high rates but did not have to pay the losses. Then you have to present a service program that will improve the risk. ...

Whenever you go into an arrangement make sure you understand the exit from the arrangement. The value of you agency is determine on your book of business. If the agency contracts are not in your name you are an agency with no companies and worthless. Does the exit plan discuss profitsharing, company...

If you have to ask the question you know the answer, you signed an agreement not compete. If you take their customers you are competing. But you can always pay an attorney to help you weasel out of the agreement. Why not make an offer to split the commission until your time has expired on the agreem...