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Between 1991, when Clarence Thomas’s U.S. Senate confirmation hearing was dominated by talk of sexual harassment, and 2017, which saw the birth of #MeToo, the EPLI market evolved enormously.

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.”

Traditionally, standalone long-term care insurance has targeted the affluent. But New York Life saw a need to provide this valuable coverage to middle-market consumers at a price point that suits more peoples’ budgets.

In order to grow your agency and remain competitive in the changing insurance industry, things can no longer be business as usual. Here are a few questions to help you improve your agency this year.

Prevent prospects from disappearing by using a series of critical qualifying questions.

It appears that general contractors are attempting to use the Alternate Employer endorsement like an Additional Insured endorsement. When should you allow it?

Consumer satisfaction with the personal auto insurance purchase experience hit an all-time low in 2018—and the decline is partially attributable to inadequate explanations of the tools and resources required to understand insurance premiums.

An insured has a dwelling fire policy written on special form. As the weather gets colder, the furnace activates, igniting a nest built by a squirrel that has taken up residence in the crawlspace where the furnace is located.

In insurance, the money is in the renewals. Now, your clients want to know if you are actually a cool insurance agency or if it was all just a facade. What are you going to do to keep them coming back for more?

As driverless cars proliferate, will the U.S. auto insurance markets as we know them shift dramatically away from individual liability policies and toward product liability solutions? Not necessarily.