by Brian Hunt, AIC, CPCU | Feb 27, 2017 | Commercial, Featured
Homeowners often wonder what the differences are among HOAs, townhome associations, and COAs. How does insurance coverage apply to each? It’s important to get it right so there are no coverage gaps. Let’s take a deeper dive: Homeowners Association (HOA) Single-family...
by Brian Hunt, AIC, CPCU | Oct 8, 2015 | Articles, Underwriting
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...
by Brian Hunt, AIC, CPCU | Dec 22, 2014 | Underwriting
It’s that time of year. A jolly old customer of yours has reappeared from hibernation (where does he spend his off-season, anyway? The Villages? West Palm? Key West?). He only works one day a year – must be rough – and needs insurance and needs it fast. Here goes. He...
by Brian Hunt, AIC, CPCU | Oct 13, 2014 | Marketing, Sales, Underwriting
Call it a midlife crisis. You’ve glanced at your book of business in the mirror and it isn’t pretty. There’s a little more flab around the stomach than you’ve noticed before, a few more wrinkles around the eyes, and it just doesn’t spring out of bed in the morning...
by Brian Hunt, AIC, CPCU | Jul 28, 2014 | Underwriting
On The Tonight Show, Johnny Carson had a skit called “Carnac the Magnificent.” He held an unopened envelope to his forehead; inside was a card with a question written on it. Carson pretended to divine the question by first giving the audience the answer: Supervisor...