Market Insights

It's an issue that can strike fear into the heart of any agent: If a DOI auditor came around to check your books right now, would your premium trust fund account (PTFA) be out of trust? If you're a typical independent agency in Illinois,

While serious, headline-generating spills of potentially hazardous materials don't happen every day, America's huge commercial trucking fleet and the number of units on the road makes lesser spills an everyday occurrence. However, depending on local

Why would a retail agent want to get into the program business? Providing a single carrier solution goes against the agent's traditional role of securing the best deal from competing insurers. In reality, a program can help a retail agent

Although the National Assn. of Registered Agents and Brokers (NARAB II) bill passed the House this year, it still faces a possible challenge in the Senate, which means agents and brokers who conduct business in multiple states still have to comply

As one of the few insurance markets that can still be construed as hard, D&O business has seen a recent resurgence from a period of high loss ratios in the Enron era, helped along by improved underwriting and pricing

Walk past a car dealership's lot and the first thing you notice is row after row of shiny vehicles. The visual display is a free advertisement designed to attract attention. The goal is to have plenty of choices for potential buyers who

In the last economic downturn, cost cutting was rampant. Today, although companies are holding fast to their purse strings, business is showing more of a focus on value. Several reasons may account

Insurance regulation and the federal government probably never entered your mind at the same time, but you may need to change the way you think. Currently, each state regulates rates, agent and