American Agents Alliance

NOVEMBER 9, 2024

Independent P&C agents and brokers who reside and work in this region must also know how to help policyholders manage earthquake risk. This requires experience, expertise, and a proactive approach to risk management and mitigation. Learn more about how agents can help their policyholders manage earthquake risk in this blog.

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American Agents Alliance

FEBRUARY 7, 2025

Social inflation and E&O risks are connected as agents must manage policyholder expectations even as claims costs rise, premiums remain high, and denials are issued for claims policyholders expected to be covered. Learn more about social inflation and E&O risks and how to manage these concerns.

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American Agents Alliance

DECEMBER 8, 2024

Driven by rapid advancements in technology, shifting risks, and increasing policyholder expectations, the industry will likely have different products and services by the time 2025 draws to a close. Read more about 2025 insurance trends and consider how these risks and opportunities may impact your agency.

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TGS

OCTOBER 25, 2024

TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare. If you’re wondering why your premiums have spiked, you’re not alone.

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Distinguished

APRIL 21, 2025

However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. For brokers and agents, understanding landlord insurance in Chicago is crucial for helping clients safeguard their investments while expanding business opportunities.

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Leadsurance

NOVEMBER 19, 2024

How to Reduce Home Insurance Premiums without Compromising on Coverage Home insurance is many people’s key protector; it provides one with the needed cover once loss or damage occurs. The good news is that one can reduce home insurance premiums without necessarily sacrificing the cover that you get.

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Frankenmuth Insurance

JULY 25, 2024

Your local, independent agent is here to help you decide. They’ll get to know you, your operations, and any areas of risk or need. Does my small business face any unique risks? What factors affect my premiums? What specific factors are affecting my premium? Ask your agent these key questions.

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TGS

MARCH 4, 2025

At TGS Insurance, were here to help you understand the risks of driving uninsured and why securing the right coverage is a smart move for every Florida driver. This often comes with higher premiums. Why Do People Risk Driving Without Insurance in Florida? Whatever the reason, the risks far outweigh the short-term savings.

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Distinguished

FEBRUARY 10, 2025

It covers fine art, sports cards, handbags, and other collections, up to $125 million on a single risk as the primary or excess layer or on a quota-share basis. Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage.

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Majesco

MARCH 27, 2025

When she recently realized that her premiums for both vehicles were nearly identical (and they had both gone up), she called her insurance agent. The agent suggested a telematics-based insurance product for the convertible to optimize pricing. The potential premium savings are worth the data sharing.

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Boyle Agency Insurance

APRIL 27, 2024

Determinants Of Homeowners Insurance Premiums Certain factors have an effect on your homeowners insurance premium. When pursuing lower premiums in Homeowners Insurance, eliminating or reducing these considerations is essential. Below we offer some factors that may affect NJ Homeowners Insurance premiums.

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TGS

NOVEMBER 12, 2024

TGS Insurance » Blog Unlocking a Smart Home Insurance Discount: How Your Gadgets Can Lower Your Premiums If you’ve recently dipped a toe into the world of smart home technology, you’re likely familiar with the benefits of convenience. Well, it all comes down to risk. To insurance providers, that’s a win.

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PSM Brokerage

FEBRUARY 27, 2025

Reduced underwriting can lead to higher premiums , increased policy lapses, and fewer carriers remaining in the market. Data from states that have already implemented Birthday Rules show an increase in premium rates (9.9% Data from states that have already implemented Birthday Rules show an increase in premium rates (9.9%

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Distinguished

SEPTEMBER 10, 2024

From hurricanes on the Gulf Coast to rapid urban development in cities like Birmingham and Huntsville, the need for comprehensive Builder’s Risk Insurance has never been more critical. To address these diverse risks, Distinguished’s Builder’s Risk Program offers tailored solutions for Alabama’s construction needs.

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Distinguished

AUGUST 12, 2024

However, with growth comes risk, and that’s where Builder’s Risk insurance plays a critical role. In this article, we’ll take a deep dive into Distinguished’s Builder’s Risk insurance offerings in Georgia. How Much Does Builder’s Risk Cost in Georgia?

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Distinguished

SEPTEMBER 25, 2024

An increase in construction also means an increase in financial risk. This is why the popularity of Builder’s Risk insurance is growing. Read on to learn more about the coverages, costs, and benefits that make Distinguished’s Builder’s Risk Program ideal for Tennessee’s booming industry. 

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Distinguished

SEPTEMBER 17, 2024

We sat down with Distinguished’s Builder’s Risk insurance expert, Susan DeCarlo, to discuss common factors that can lead to declinations in our program, how to avoid them, and key risk considerations. So, for example, on a new build if they’re 30 to 60 days in, we can consider that risk.

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Property Insurance Centre

JANUARY 27, 2025

Speak with the Freeholder or Managing Agent: Ask for details about the current insurance policy and how costs are allocated. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership.

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TGS

OCTOBER 17, 2023

In order to understand the benefits of using an independent insurance agent, it’s essential to recognize what sets them apart. A captive agency is tied to one insurance carrier, which means these agents are biased to make money for their specific carrier. These agents are unbiased, so they’re motivated to serve you, not a carrier.

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American Agents Alliance

AUGUST 4, 2024

Learning effective sales techniques is critical as an independent insurance agent. Effective Sales Techniques For Insurance Agents These sales strategies can help agents become more effective: Combine traditional techniques with digital tools. Empathy is important for agents and claims adjusters.

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AMAXX

JANUARY 13, 2025

Insurance Company: The Risk Bearer Often referred to as the underwriter, insurer, or carrier, the insurance company provides the workers’ compensation policy and assumes the employers risk. Brokers and Agents: Employer Advocates Brokers serve as intermediaries between employers and insurance companies.

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American Agents Alliance

OCTOBER 14, 2024

Understanding millennial insurance buyers and their motivations is critical for agents and brokers selling to this demographic. How to Sell to Millennial Insurance Buyers Here are some ways agents and brokers can find success when selling insurance to millennials: Understand the preferences and buying behaviors of millennials.

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Peter J. Fournier

MAY 25, 2021

Becoming a life insurance agent is an appealing career choice for a lot of people. If you are considering a career in life insurance sales, you are probably asking yourself, how much money can I make as a life insurance agent? An agent who puts the work in can earn $100,000 in their first year and grow from there.

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PSM Brokerage

DECEMBER 17, 2024

How It Works and Why Its a Game-Changer for Health Insurance Agents What Is an ACA Subsidy Calculator? Navigating the Affordable Care Act (ACA) marketplace can be complex for both agents and clients, especially when it comes to determining premium subsidies. Location (premiums vary by state and region). Household size.

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Leadsurance

SEPTEMBER 26, 2023

For insurance agents, it offers a unique opportunity to establish trust, provide essential updates, and promote new policy offerings. By embracing these tips and using the right tools, you’ll be able to transform your insurance agent’s outreach, driving growth and deepening client relationships.

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TGS

OCTOBER 28, 2024

It’s a bit of a balancing act: on one hand, a higher deductible can lower your monthly premiums, but on the other hand, it means you’ll pay more out of pocket in the event of an accident. If a higher deductible would strain your budget, it might be smarter to opt for a lower one, even if it means higher premiums each month.

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Majesco

OCTOBER 10, 2024

Risk vs. reward. Perhaps there is no more appropriate location to discuss it than Las Vegas, the undisputed home of risks and rewards. At the same time, thanks to Helene and Milton, we’ll all have risk on our minds. Insurers, however, may have to change their stance on their own ability to take risks.

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Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Compare how different deductible levels affect your premiums by requesting quotes from your insurer. Enhancing the safety and security features of your property can significantly reduce your premium costs.

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American Agents Alliance

APRIL 8, 2025

Agents and brokers can help play a role in risk mitigation by offering educational resources and talking with their policyholders to provide distracted driving awareness tips. For example, an agent could talk with their policyholder with young children about how to reduce distractions when driving with their child in the vehicle.

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Jackson & Jackson

MAY 23, 2024

Small business insurance covers property damage, liability claims, and employee-related risks. While basic coverage can provide a level of protection, your business might have additional risks that warrant extra coverage. As a result, insurance premiums tend to be higher in California compared to other states.

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Jackson & Jackson

APRIL 30, 2024

Understanding Location-Based Risk Factors Location plays a pivotal role in determining insurance premiums for commercial properties. Various factors tied to a property’s geographic and socio-economic setting influence insurers’ risk assessments. Here’s how these factors come into play: 1.

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Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. One major consequence of filing small insurance claims is the potential for increased insurance premiums. Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team!

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Jackson & Jackson

APRIL 26, 2024

Investing in commercial property in California can be a lucrative venture, but it also comes with its unique set of risks and responsibilities. It’s advisable to work with agents specializing in commercial properties, as they can provide tailored advice and negotiate better coverage terms on your behalf.

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American Agents Alliance

NOVEMBER 22, 2024

If an agent provides an estimate of replacement costs, they must ensure it complies with California regulations. As indicated, there may be increased exposure when customers facing affordability concerns seek limits lower than those set by the estimator and recommended by the agent.

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Healthinsurance.org

MAY 20, 2024

In this article HealthCare.gov policyholders at risk Scammers circumvent consumers protections The damage to affected Marketplace buyers Factors that led to the alleged fraudulent activity Buyers with lower incomes targeted Is this happening in states that run their own Marketplaces? What should consumers do? How was that possible?

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Smart Insurance Agents

AUGUST 29, 2024

These plans typically offer lower costs due to the risk being spread across a larger group of insured individuals. HDHPs feature high deductibles but lower premiums, making them suitable for pairing with health savings accounts (HSAs). Understanding each plan’s details is crucial for comparing health coverage options.

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TGS

JANUARY 6, 2025

Will These Changes Impact Insurance Premiums? Yes, raising minimum coverage requirements is likely to result in higher premiums for drivers. Medical expenses and vehicle repair costs have risen significantly, and higher minimums provide a more realistic safety net for both victims and at-fault drivers.

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