I do not agree with Billy B's statements. In all the more than 40 years I was a broker/agent in California, I do not recall hearing about any of my colleagues thinking about their own pocket books first. Assuming that the policies are equal in all respects, it is not dishonest to offer the one havin...

It appears that your underwriter is finding a new way to refuse to insure an older home, or to keep one on the books. Run, do not walk, and find another carrier and switch all of your business with that company. It is a lot of work, but you'll have fewer problems in the future.

You have to realize that you will probably be unable to place preferred auto and homeowners business until you obtain a leading carrier. So look for good MGAs and surplus lines brokers. They should be able to offer you markets for small commercial business. You can concentrate on new business ventur...

It is not easy to start a P&C agency from scratch. I did it 45 years ago, but times have changed. It requires hard work. Chances are you will not find a standard company to appoint you on the come. Therefore, you should concentrate on surplus lines business, where MGAs are available. Some of the...

Garamendi probably does not care about the quality of the company. Offer the lowest quote, even with a B- company, if it is cheaper than an A+ offering. You will exit the business much faster this way!

Robalfan

Jessica, I am now retired, but during my working years (over 49 years), I have hired a number of agents. If you are working full time, and you need financial help, you should negotiate a draw with your agency, which does not need to be validated. If you sold $11,000.00 of premium for the month, you ...