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I met an agency consultant and asked how I could turn around my mostly personal lines, family-owned agency. I had bad loss ratios and knew if I did not do something about it, I would most likely lose a carrier or two and be forced to deal with the resulting fallout. He replied that there was no real way to correct the problem; rather, I should just keep putting as much on the books to try to outrun it. Wow, was he ever wrong!

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