When ground forces are on the move, or fighter jets take to the air, they remain in real-time contact with their direct commander and upwards through higher levels of command to produce precise results. These clear lines of communication, though they involve different people, hierarchies and systems are the core of mission success.

There are a number of risks which, because of the nature of their business, are placed into a claims-made policy instead of a traditional occurrence policy. Many Professional Liability policies – including Errors & Omissions policies – are written on a claims-made basis. Some types of manufacturing risks are also written on a claims-made policy, so an underwriter has a better feel for a risk from year to year. Retro dates are an important consideration when a claims-made policy is written.

There are times that require a business person to be selfish — not just for his or her benefit, but for benefit of the employees with whom he or she works.

If you are a significant shareholder or owner of a small to mid-sized business and refinancing debt or a bank loan or leasing a facility or new equipment, chances are that the lender or lessor will require you to sign a personal guarantee. For several years prior to the recent recession, credit was easy and it was possible to obtain a line of credit or lease new equipment or space without having to personally back-stop the liability…not today.

In life, no one gets off this planet unscathed. Whether personal or professional, setbacks will happen. How well someone makes a comeback, however, depends upon several factors, from resilience to defining success according to your terms. The good news is that these qualities and skills can be acquired and learned, and with a support system become even more effective.

Mention email marketing to fellow insurance professionals and you may find that many are still hesitant to move away from their tried-and-true snail mail methods. Others, however, are rapidly discovering that email marketing is just about one of the most effective means of generating business.

In The Wizard of Oz, the title character is beloved and revered by all the people in that magical land over the rainbow. Yet when you look at it from …  Read →

As we begin another year, it’s a good time to reflect on what you need to do to be more successful and to reduce the likelihood of an errors and omissions claim being presented against your agency.

Although the outcome of the health care reform is uncertain, the need and demand for disability insurance is inevitable. According to the National Association of Health Underwriters, nearly 33% of all Americans will suffer a serious disability between the ages 35 and 65 that will last for an average of more than five years.

Trainer Eric Adler boils down the keys to success into three pillars, then provides the tools to help people identify what success is for them and how to remain on course.