An email found its way into my Inbox from an insurance agent who apparently is out of the office and has set up an auto-response for clients who email. Here’s exactly what was written, excluding the person he suggests people contact in his absence and the obligatory can’t bind, amend policies with an email language:

“Everything I read says that the hard market is coming. Well guess what, I don’t see it. I know March is a busy month, but everyone wants reductions still. How am I going to keep my contract profitable if everyone wants us to lower premiums for the 5th straight year? I am going to be out until Monday March 2nd, 2009 pondering this and other very important questions.

“Please Send this out of office reply to every one you know and it will bring you good luck. One person recently sent this out of office reply to everyone they new and got a renewal order at 20% higher then the expiring premium. (Granted it had a 80% loss ratio, but still) hard markets are contagious, pass it on.”

There’s no way of knowing if the agent received it from another agent. There’s also no way of knowing if it works. Email me if it works for you. But one thing is clear: The economy and lagging insurance industry is causing people to look at any and all options to build their books of business, even chain emails about insurance.

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