Sailing in a Soft Market

Sailing in a Soft Market

Picture the P/C underwriting cycle as rolling waves on the open Atlantic Ocean.  There are crests (hard market) and troughs (soft market) as underwriting profitability goes up and down.  In this analogy, the insurance company represents the boat.  Customers should ask...
Fundamentals, the Key to Victory

Fundamentals, the Key to Victory

The stress associated with experiencing a third party bodily injury liability claim can be overwhelming for your customers.   The very nature of the event is not pleasant; someone is blaming the policyholder for an accident that lead to injuries.  A sometimes...
So Many Channels, So Many Options

So Many Channels, So Many Options

If there is one thing that I’ve learned from living in two countries and a few states, it’s that broad generalizations about people rarely work. Case in point: I am constantly told that “older customers don’t like email or the Internet.” In reality, if you look at the...