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Articles, podcasts, videos, and industry guides to support
you and your insurance agency
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Introduction to Gross Written Premium? Insurance professionals working in today’s competitive marketplace need to grasp the complex relationship between gross written premium and profitability—this remains one of the most essential skills for building sustainable business success. This detailed analysis examines how written premiums directly impact insurer performance, providing practical insights for brokers, agents, underwriters, and […]
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Introduction to Lender’s Loss Payable vs Loss Payee The distinction between a lender’s loss payable and a loss payee represents one of the most misunderstood concepts in commercial insurance; yet, this knowledge gap can lead to catastrophic coverage failures for your clients. As insurance professionals working in an insurance agency, understanding these endorsements isn’t just […]
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Introduction to the Law of Large Numbers Definition and Significance The law of large numbers serves as the mathematical foundation that supports modern risk management approaches. This core statistical principle indicates that as sample sizes increase, actual outcomes tend to approach what we’d expect based on theoretical probability. Insurance professionals rely on this concept to […]
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Insurance agency SEO growth shown with colorful letters A, B, and C. Nearly 87% of insurance buyers begin their coverage search online before contacting an agent. Yet, many well-established agencies stand by helplessly as tech-savvy competitors capture market share by appearing first in search results. This shift presents a critical challenge: agencies that built their […]
Agency Staff Articles
Introduction to Expense Ratio and Loss Ratio Insurance professionals working in today’s competitive marketplace need to understand the core financial metrics that determine profitability and operational success. Two essential ratios sit at the center of insurance company evaluation: the insurance expense metric and the loss ratio. These ratios, together with the benefit-cost ratio, function as […]
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Choosing between a non-admitted carrier and admitted coverage stands as one of the most crucial decisions insurance professionals face when serving their clients. This decision has a direct bearing on regulatory protections, pricing flexibility, coverage availability, and long-term risk management strategies. Grasping the core differences between these market segments empowers brokers to deliver well-informed recommendations […]
Coverage Article
Introduction to Coverage C Homeowners Insurance As insurance professionals, how well you educate insureds about personal property coverage directly shapes claim satisfaction and renewal rates. This detailed analysis offers the comprehensive insights you need to present Coverage C effectively and tackle the intricate scenarios you face every day. Understanding Homeowners Insurance Coverage Overview of Coverage […]
Coverage Article
The cyber insurance market has matured significantly, yet many brokers and agents still struggle to articulate the nuanced boundaries of coverage to their clients. While cyber insurance policies have expanded their scope, cyber insurance exclusions remain a critical factor that can leave businesses exposed to substantial financial losses during their most vulnerable moments. Understanding these […]
Agency Staff Articles
A reservation of rights letter stands as one of the most vital protective mechanisms in insurance claim management. This formal document enables carriers to investigate and potentially defend claims while maintaining their ability to deny insurance coverage based on policy exclusions or coverage limitations. For insurance professionals, mastering the strategic use and careful drafting of […]
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Introduction to Insurance and Risk Management The risk & insurance sector presents unprecedented career opportunities for Generation Z professionals entering today’s dynamic business environment. As organizations face increasingly complex challenges—from cyber threats to climate-related perils—demand for skilled professionals continues to accelerate across industries. Gen Z professionals, equipped with digital fluency and fresh perspectives, are uniquely […]