Commercial Lines News 

Insurance Journal recommends 5 steps to protect your organization from Cyber Liability!  Read More

 Personal Lines News 

Are you identifying the exposure for company-supplied autos and adding extended non-owned coverage for those clients who are furnished or operate a commercial vehicle less than 10,000 pounds GVW?

Life/Health News Update 

Will Obamacare take us out of the Health Insurance business?   Possibly, but individuals and companies will still need risk management advice relative to the purchase of coverage.   Insurance is not a raw commodity.    

Training Sales Force

CD ROM's and automation have dumbed down our industry terribly. All of the 'learning by stumbling around in the manual' many of us "old timers" grew up with is gone.

We need hands-on classroom training more than ever. Not 'just in case' learning but 'just in time' learning. Avoid traps and remain competitive to grow your insurance agency. Build some "common sense" into your insurance programs with good risk management advice. Your competition is doing it! 

Howard to Present at dinner meeting of Southern Maine Claims Association on November 3, 2011 

Howard E. Candage, CPCU, CIC, CRM

In this brief dinner presentation I will be discussing how agents and insurers should be working together by establishing improved communication and dialogue AFTER the claim occurs.   Our current lack of conversation and effective relationship building creates an environment where claims can become unnecessarily difficult due to our lack of relationship between the claim adjusters and the agents. 

Please attend and consider Joining Southern Maine Claims Association to build a dialogue that will assist everyone!

Register at Southern Maine Claims Association:  Southern Maine Claims Registration Form

Taking Ownership

Good leadership requires vision! Vision requires alignment to a shared vision. We are exponentially powerful as groups but unless there is a shared vision there is no accountability or shared effort.

Good business plans accomplish this alignment. Let's build yours today! A good plan includes financial goals, operational goals, marketing and growth goals and an exit plan! Most agencies simply will not vision and thus have a mediocre commitment from their employees!

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This Month's Bit of 'Insurmation'