#1 - Risk Overview
#2 - General Information
Additional Information Means Better Coverage.
One major reason to seek full prospect or client information is to, when necessary, secure proper premium for additional parties. This is typically achieved by adding endorsements. Endorsements allow coverage to be modified to fit situations that deviate from what is covered under a base policy form. Naturally, separate endorsements and, when applicable, additional premium allows for more precise coverage and pricing.
Click here for an example of an additional insured endorsement’s wording under one commercial general liability’s endorsements section in PF&M.
#3 - Business Personal Property
#4 - Business Income & Property Inventory
#5 - Inland Marine, Employee Dishonesty, Money & Securities
#6 - General Liability
#7 - Liquor Liability & Employee Benefits
#8 - Commercial Umbrella & Business Auto
Food Delivery and the Business Auto Policy
Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery if it does NOT have a business auto policy; and how does a restaurant’s business auto policy respond to food delivery when they have the coverage?
#9 - Workers Compensation
How time is used during the average person’s lifetime and how much time is left to do the things you enjoy most. The amount of time spent commuting to work is something that many people dread but haven’t figured out how to shorten. Time spent sleeping is critical in my opinion because it allows you to function at your fullest and enjoy the time spent awake more. Enjoy your JellyBeans and make sure you have a variety to make your life more interesting and fun.
Agency Management Basics
11 ways to attract and keep young talent
The insurance industry is way behind the curve on talent acquisition, but don't let the magnitude of the problem overwhelm you. Small steps can get your agency moving in the right direction....Read more
Are you a marketer or an insurance agent?
What’s more important to the success of your insurance business: being a great marketer or a knowledgeable insurance agent? …Read more
Tips to Acquire an Independent Insurance Agency
Personal Auto Insurance Basics
Infographic: Types of Auto Coverage Article
Homeowner's / Renter's Insurance Basics
Are there different types of policies? Article
Informed Citizen: Homeowners Insurance Video
Miscellaneous Personal Lines
Peer-to Peer Home Rental Article
If you are planning to rent out your home, your first step should be to contact your insurance professional.
Small Business Insurance Basics
Farms and Ranches
Insurance Fraud Prevention
Staged-crash ring crashes and burns
Ethics in the Insurance Industry
Every brain is both a broadcasting station and a receiving station for the vibrations of thought.
Whatever the actual science of thought transmissions may be, it is true that if you wish to receive the power contained in the thoughts of others, you must condition your mind to receive those ideas. Listening helps condition your mind to receive valuable information contained in the thoughts of others. Set aside any preconceived notions you may have about the topic, and listen attentively and nonjudgmentally to what is being said. Focus on the information, not on the speaker. Try to identify key concepts behind the speaker’s words. Train your mind to identify and absorb information that others often miss because their “receivers” are not tuned to the proper frequency.
Smile A While
Suffering from a bad case of the flu, the outraged patient bellowed, "Three weeks? The doctor can't see me for three weeks? I could well be dead by then!" Calmly the voice at the other end of the line replied, "If so, would you please have your wife call to cancel the appointment?"
Insurance Coverage en Español