An auto policy was written to provide liability and uninsured motorists (UM BI & PD) coverage on a Symbol 2 basis. The insured asked the agency to delete several autos during the policy term. Later there was an accident with an uninsured motorist involvin

The U.S. Congress is constantly considering legislation that can potentially affect independent agents and brokers on issues including taxes, regulation, licensing, federal programs and much more. The success of the independent agency system today and dow

By: Volume 106, No. 10

There’s never been anything like it most Americans’ lifetimes. The wealth millions counted on to fund their lifestyle and fulfill their hopes for the future has been severely diminished. The fears and emotional state of every client mirror the unprecedent

Setting your business apart can be a difficult thing to do—especially if you are an independent agent or broker struggling in this economy. When it comes to marketing your small business against the larger commercial competitors, brand consistency is an i

“A contractor’s employee had possession of master keys for several dorm buildings at a university. While at lunch, he accidentally left the keys on a ladder and they were gone when he returned. The university had to rekey all of the dorms. The contractor’

I’ve never seen the movie Bus Stop, starring Marilyn Monroe, but I think about the film every time I approach one—hoping a Marilyn-esque woman will be waiting in the shelter, alone and lonely, ready to strike up a conversation with a dashing young man. Bu

David Daniel has served the industry and association for 30 years—and now he takes the reins as Big “I” chairman.

The Big “I” Crop Insurance Task Force recently met with the Obama Administration to discuss ways to enhance the product delivery of the Multi Peril Crop Insurance (MPCI) program and to request that independent agents be included in the upcoming Standard R

Independent agents are some of the most fiercely independent business people in the country. Agencies come in different sizes and structures, and they have various geographical specializations, company representations, marketing strategies and ways to ser