There are two kinds of commercial insurance agents: those who act like doctors and those who act like dentists. Doctors hope to see their patients as few times as possible. Generally speaking, a physician works reactively. Their job is to identify and treat problems...

As an insurance agent, you can optimize client relationships by providing solutions to their everyday needs. It is important that you share your expertise with customers so the business owner can focus on their business, and less on the administrative issues that bog...

In short, subrogation refers to a workers' compensation insurance company's right to recover money paid on a workers’ compensation claim from a third party (or their insurance company) when the injury was caused by the actions or negligence of that third party. In...

Soliciting and obtaining loss runs to quote commercial business is a necessary step in the process. However, as an insurance agent, you or your staff have likely spent an inordinate amount of trying to get that information. Even though most carriers accommodate loss...

Workers’ compensation insurance is a necessary and unavoidable operating cost for your clients. That doesn’t mean it’s an altogether fixed cost. As an agent, this presents you with a great opportunity to help your clients save money and strengthen your relationship...

If I had told you in February 2020 that you’d feel lucky just to have a job in 12 months, would you have believed me? It’s not like survival as an insurance agent was simple before COVID-19, but the pandemic has undoubtedly complicated things. Zoom calls, social...

COVID-19 has taken a toll on US employers and workers over the course of the past year. Now that vaccines are becoming available, your clients must decide what their role is as employees return to work. Should they and can they require workers be vaccinated? Should...