Do you remember the concept of “GIGO” from your computer science class in college? “But, of course,” you say, “Garbage In, Garbage Out.” (That may be all you remember from that class!) It’s possible that GIGO also describes the quality of your independent agency’s financial statements.

As insurance industry consultants, we work with the financials of many agencies, from small to large, and we are sometimes alarmed by what we see.

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