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A prolonged soft market combined with a declining economy has led to unprecedented negative premium growth throughout the U.S. property and casualty industry for two consecutive years.

Carrier Relationship Mismanagement (CRMM) is practiced every day by 90 percent of agencies and brokers. That's the bad news. The good news is it leaves the door open for a lot of opportunity.

Carriers and agents have faced challenges for decades, but current industry and economic factors are producing some unique circumstances. In the wake of financial meltdowns and unexpected company

The relationship between insurance companies and their producers is often characterized by a functional disconnect. The source of the problem is a basic misalignment of goals between agencies seeking