Agreed Value is an absolute must whenever possible and we have 98% of our insureds with agreed value on policies where coinsurance is an option. It's still important to attempt to insure to the right value as the greatest limit paid in a total loss is the policy limit. We also want to continue to ha...

The CPCU Society provides figures on how much more a CPCU earns on average compared to those who don't have it. Just as there is a considerable higher pay average for college graduates vs high school graduates, there is a considerable earnings increase for CPCU's. There's an old saying, though, abou...

General Casualty, part of QBI, offers a program for septic tank contractors. They have product enhancements for auto spills and equipment leaks. This is a successful program in Minesota, but it may be available in other states.

As a follow up regarding prospecting. I started out in insurance sales right out of college and i faced many questions about my age and experience right at the start of the in person prospect meetings. I stressed the experience of the agency, the experience and financial strength of my carriers as w...

I strongly agree that niches are critical to your success. Construction does have many niches, so you can focus heavily on construction as one niche which is very helpful for product and market knowledge as well as referals. ( The construction people all know each other.) As a new producer with expe...