Is the Horace Mann "Exclusive Agent" opportunity a captive agency? They say the opportunity is for "individuals willing to invest in owning and operating an insurance and financial services agency". They also say they offer a unique territory with active an active client base. Ju...

. . What are the best personal lines auto sub-standard carriers out there? I am running into the issue of quoting prospects that have large families with teen/college drivers. 2 or 3 of the drivers may only have 1 or 2 infractions each, but the underwriters w/ my standard carriers add the total clai...

We have an agency and are looking into two things... 1) a CRM to handle managing our accounts (i.e. Salesforce) 2) an accounting management system for tracking commissions (i.e. Quicken) Can we get something that combines both of these needs? I've used Salesforce in the past, and really like how it ...

Our independent life and health agency just started offering auto and home personal lines and we are new to that side of the business. How does it work when someone wants to get our of his/her current policy? Do they have to wait until a renewal date? Can they get a refund and get out of a policy ea...

Hi There, flyeres. If you are a member of NAIFA you can now access a pretty good program. Until recently they didn't do all that a P/C shop, or multiline shop needed, but that has changed. Look them up. Try http://www.naifainsurance.com. Good luck. Wayne Lunday, LUTCF, CLU, ChFC Thanks. I checked w...

Our agency is new to the P&C side, so I have been looking around for possible E&O coverage. Here are some companies I have looked into so far:

http://www.aon.com (Program through NAIFA)
http://www.doranxs.com
http://www.rockwoodinsurance.com
http://www.bbinsurance.com

Are there any E & O companies you would recommend getting coverage through? We have an independent life &health agency and are bringing on P & C lines. The appointments with the P&C companies we are looking at require 1 Million in E & O coverage. So far, the best rates I have fou...