American Agent & Broker October 2011
Cover Story
Find and Crack New Markets
Learn to spot and capitalize on new trends and add to your book of business.
Features
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Making It Special
From tattoo studios to musical instrument insurance to cyber liability, three insurance professionals talk about how they transitioned from property-casualty generalists to niche specialization—and are succeeding in one of the toughest insurance markets in memory.
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Ship Shape
When small businesses enter the overseas market, they need to understand the additional risks they may face. Learn the ins and outs of ocean marine insurance.
Columns
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False Statement Voids Policy
A fiscal agent secures insurance through lies about losses and cancellation
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Three Lessons Learned
Eastern quake a wakeup call for insurance pros
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Words of Wisdom, Part 2
More tips on clearly communicating with your clients
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NU Waves
More “NU NU” agencies yield a new breed of entrepreneur
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nGI: Jill C. Roth
Account Executive, Ahart, Frinzi & Smith
Departments
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Making Lemonade
President Obama is promoting a $447 billion job creation package and his opponents are blasting it—in other words, business as usual in Washington, D.C.
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Pay it Forward With Customer Service
Do you remember the last time you received really great or really bad customer service? Think about those interactions. How did they make you feel about the company?
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IQ: Report: Insurers Slow to Recognize Climate Change to Industry Solvency
Only 11 of 88 insurers surveyed have formal policies in place to deal with mounting risks due to climate change.
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IQ: Texas Residents Most Likely to Lack Health Coverage
Those living in the South and West are more likely to be uninsured than those living in the Northeast.
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IQ: Americans Believe Technological Distractions Result in Poor Driving
Almost 63 percent of Americans think current drivers are too reliant on technology features to operate their vehicles.
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IQ: Study: Workers Make Improper Benefits Decisions
The most common costly bebefits mistakes include not employing available benefit coverage, choosing the improper coverage and putting too little in an adjustable spending account.
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IQ: Employees Will Sacrifice Salary For Workplace Flexibility
Two in five working adults are willing to give up some percentage of their salaries for more flexibility at work.
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What’s in a Name?
Definition of agent, broker can create confusion and litigation
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GPE, BTA and A&H
Take a personal approach to selling commercial insurance
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Once Upon a Client
Family-owned agency continues to grow organically, one client at a time
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Cats Show Mitigation Need
Grants and deductions create incentives for homeowners to protect their assets
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Market Directory: Trucking Insurance
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Market Directory: Ocean Marine Insurance
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Agents' Guide to Programs
Seventeen program business listings are presented in alphabetical order by program type.
