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Hey, Bean Town! Buffalo is laughing at you all the way from 1977.

Those who succeed in starting their own insurance agency come from many backgrounds, but share several common traits.

El Nio gets a lot of publicity in relation to major storms, such as Hurricane Patricia or severe blizzards, but it can have an impact on day-to-day weather as well, explains Elaine Montgomery-Baisden, vice president and chief underwriting officer, Personal Insurance, for Travelers.

Claim severity is up in D&O; so why is pricing so competitive?

Excess capacity leads to counterintuitive pricing and brokers can find untapped opportunity as carriers battle for business.

Insurance agents can use El Nio and other weather events to speak with clients about coverage.

Do people expect storms named after women to be less damaging? The survey says yes.

Selling D&O insurance can be complicated but it's also worth the effort.