Hartford might write that but they will probably want the subs to be insured. If the subs don't have coverage, you may want to suggest that the insured report the subs payroll as their own employee payrolls and surcharge the subs for the coverage extended to them. An employee safety training program...

Well said... Obviously, I am not a benefits agent. If you provide a better value, and apparently you do, we both have the same idea of what our jobs entail. What I said was not meant to be a shot at your line of work...but to make a point about multiple quotes being taken from multiple producers/bro...

With all things being equal or close with virtually the same product being sold for close to the same price, as it is in Group Health, it's not the best agent that wins the account...it's usually the first agent that particular year...then the first agent the next year when the insured's rates inevi...

There is a reason why one agent/broker -- one carrier happens. It falls perfectly in line with the dynamics of selling. 4 key components to a sale: *Relationship *Coverage *Service *Price If you don't have all 4...you may write the account..but you won't keep it. If a producer knows his/her markets,...