Independent agent Mary Pursell has observed major changes in the EPLI market. “Originally, EPLI policies covered sexual harassment, discrimination and wrongful termination,” she says. “Now, coverage definitions are expanding.”
Independent agent Jon Erickson invests a lot of time in educating his clients about ways to avoid workplace injuries. “Workers compensation costs can be controlled with risk management more than other lines of insurance,” he says.
When selling professional liability, independent agent Jerry Nelson stresses the importance of understanding the policy forms to “be able to clearly tie in the need to a specific professional discipline,” he says. “You really have to combine the client se
Independent agent Heather Brummels is noticing that a lot of baby boomers are moving their homeowners insurance away from captive agents. “Many of these folks are starting to shop around to find equivalent and sometimes better coverage for a lower premium
Despite living in a state where there are no dram shop laws, independent agent Roger Cole always offers his clients liquor liability coverage “because there’s always that anomaly that can take place within the law,” he says. “It’s our job to convince them
When offering BOPs to commercial clients, independent agent Chris Laniauskas says it’s crucial “to be able to ask the right questions to ascertain whether a BOP will fit them or not, as well as identify other coverages they may need that a BOP may not pro
Independent agent Laurie Noel always offers personal umbrella coverage because “underlying policy limits are not always enough,” she says. “With the increasingly litigious society we’re all living in, personal umbrella has become more important than ever
Independent agent Troy Peterson offers classic car insurance to his personal lines clients. “Due to some technological advances, I’d say it’s actually easier to get a policy than in the past,” he says.
Independent agent Adam Stevenson says the biggest challenge in the personal auto market is “trying to get people to understand why they need to carry higher limits.” In a state where the minimum limit “can be quickly exhausted for bodily injury,” he says,
In a soft market where competition is fierce, adding value beyond price can be easier said than done. Here are three strategies for building stronger relationships with your surety prospects and clients.
