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Incurred Losses Explained: Understanding Insurance Claims
Coverage Article, Helpful Tips: For Employees, Helpful Tips: For Training
Why Incurred Losses Matter and How to Explain It to Your Client When discussing insurance financials with clients, few concepts create more confusion than incurred losses. Many policyholders assume their premiums directly correlate to claims paid out, missing the complex financial picture that incurred losses reveal. Understanding this concept becomes critical for both insurance professionals […]
Building a Career as a Health Insurance Specialist at an Agency: Steps Beyond Licensing
Helpful Tips: For Employees, Helpful Tips: For Training
Getting Started in a Career as a Health Insurance Specialist Achieving your health insurance certificate is an essential foundation for a career as a health insurance specialist within an agency. However, genuine growth and professional success depend on continued learning, hands-on experience, and specialized training. This comprehensive guide will explore how to become a health […]
Understanding Strict Liability Insurance: Essential Coverage Guide
Agency Owner Articles
Understanding Strict Liability Insurance Gaps Complex liability insurance landscapes present unique challenges, but strict liability coverage stands apart as specialized protection for businesses facing heightened exposure to no-fault claims. Understanding what strict liability means in legal and insurance contexts is essential for risk management professionals. Unlike traditional liability policies requiring proof of negligence, strict liability […]
Unpacking Coverage E in Homeowners Insurance: What Agents Need to Know
Coverage Article, Helpful Tips: For Employees
Understanding Strict Liability Insurance: Essential Coverage Guide Coverage “E” Personal Liability Coverage, is a critical component of home insurance liability coverage. This personal liability insurance offers financial protection to homeowners if they’re legally responsible for bodily injury or property damage to others. Unlike coverage for property damage, which targets only the homeowner’s property, Coverage E […]
WCIRB Class Codes: How Brokers Can Avoid These Common Mistakes
Agency Owner Articles
Introduction to WCIRB Class Codes WCIRB class codes impact every facet of workers’ compensation insurance in California. With roughly 700 industry classifications in the Standard Classification System, these numerical identifiers directly affect how much businesses pay for coverage. Each workers compensation code expresses rates per $100 in payroll, reflecting the expected losses for specific work […]
Aleatory Insurance Definition: Understanding the Legal Foundation of Insurance Contracts
Agency Owner Articles
Introduction to Aleatory Insurance Most of us will sign insurance agreements several times throughout our lives. Yet beneath what seems like a simple exchange of premium payments for protection lies a complex legal framework built on a fundamental concept: the aleatory contract. The aleatory contract insurance definition refers to a specific type of legal agreement […]
How to Grow an Insurance Agency (From Agency Owners Who Did it)
Agency Owner Articles
Introduction to Growing an Insurance Agency Many agency owners share a common challenge—they want to grow insurance and expand their insurance agency business but often feel overwhelmed by all the growth tactics out there. Learning how to run an insurance agency and how to start your own insurance agency isn’t just about finding new leads; […]
How Agencies Can Use Outsourced Insurance BPO Teams
Agency Owner Articles
Introduction to Outsourcing Insurance BPO Teams Insurance carriers and agencies today face unprecedented operational challenges: rising costs, persistent staffing shortages, and increasingly demanding client expectations for service excellence. These pressures are compelling agencies of all sizes to reevaluate their operational strategies, particularly regarding back-office functions. Insurance agency back office outsourcing (or insurance BPO) has emerged […]
Marketing Strategies to Grow Your Insurance Agency (from the Experts)
Agency Owner Articles
Introduction to Insurance Marketing Strategies Let’s face it – marketing insurance agency businesses today isn’t easy. Agencies are up against tough competition, the complexities of digital marketing for insurance agencies, and consumers who are more distracted than ever. While traditional approaches like referrals and print ads still matter, they just aren’t enough on their own […]
The Practical Guide to Insurance Designations
Agency Staff Articles, Helpful Tips: For Employees, Helpful Tips: For Onboarding, Helpful Tips: For Training
Choosing the Right Insurance Designation and Certifications for your Career As you begin your career in insurance, it is important to understand how you can create long-term success in this industry with the right insurance designations and certifications. There is a lot to learn and, quite honestly, the learning never stops. The sky is the […]