Direct Appointments with Excess & Surplus Markets for Independent Insurance Agents

Price-focused direct carriers don’t talk about coverage because they want consumers to believe all policies are the same and that the only differentiator is price. They want consumers to believe that cheap insurance is good insurance. Let’s be clear: Saving money is great! No one wants to pay more than necessary. But saving a few bucks today isn’t a good deal when it comes at the expense of proper protection and an unpleasant surprise after there’s a claim.

According to the National Interagency Coordination Center (NICC), 58,950 wildfires burned 10.1 million acres in the U.S. in 2020 — the second most acreage in a year since 1960; 17,904 structures were destroyed. Wildfires are mainly unplanned and unwanted but there are ways to prepare. We offer some safeguards that you can share with your clients.

Millennials have been blamed, fairly or not, for dismantling many of society’s sacred cows over the years. Even major institutions aren’t immune (think of this age group’s changing views on homeownership and marriage). But what’s the Millennial take on collector cars? Here are a few takeaways to keep in mind when forging relationships with this younger generation of collector car buyers.

As I sat down to write this article, the MLB lockout was still going strong, much to the chagrin of baseball fans across the country. However, that didn’t stop me from relying on a baseball idiom to share with you why you need to write excess and surplus lines at your agency. That idiom? Being a pinch hitter.