Agency Management Basics
11 ways to attract and keep young talent
The insurance industry is way behind the curve on talent acquisition, but don't let the magnitude of the problem overwhelm you. Small steps can get your agency moving in the right direction....Read more

Are you a marketer or an insurance agent?
What’s more important to the success of your insurance business: being a great marketer or a knowledgeable insurance agent? …Read more

Providing educational opportunities for insurance agents 
Like all professionals, insurance agents benefit from well-constructed professional development, becoming more enthusiastic and more productive.

Tips to Acquire an Independent Insurance Agency
Personal Auto Insurance Basics
Infographic: Types of Auto Coverage Article
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Homeowner's / Renter's Insurance Basics
Are there different types of policies? Article

Informed Citizen: Homeowners Insurance Video

Miscellaneous Personal Lines 
Peer-to Peer Home Rental Article
If you are planning to rent out your home, your first step should be to contact your insurance professional.

Small Business Insurance Basics
Farms and Ranches

Errors & Omissions Prevention
E&O Tip on "Are you providing the coverage the customer asked for?" (408 words)
http://agentsofamerica.org/page.php?id=1569

Insurance Fraud Prevention
Staged-crash ring crashes and burns
http://www.insurancefraud.org/article.htm?RecID=3386#.VK10x4rF_Cc

Ethics in the Insurance Industry
​Every brain is both a broadcasting station and a receiving station for the vibrations of thought.
Whatever the actual science of thought transmissions may be, it is true that if you wish to receive the power contained in the thoughts of others, you must condition your mind to receive those ideas. Listening helps condition your mind to receive valuable information contained in the thoughts of others. Set aside any preconceived notions you may have about the topic, and listen attentively and nonjudgmentally to what is being said. Focus on the information, not on the speaker. Try to identify key concepts behind the speaker’s words. Train your mind to identify and absorb information that others often miss because their “receivers” are not tuned to the proper frequency.

Smile A While
Suffering from a bad case of the flu, the outraged patient bellowed, "Three weeks? The doctor can't see me for three weeks? I could well be dead by then!" Calmly the voice at the other end of the line replied, "If so, would you please have your wife call to cancel the appointment?"

Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol

Click Here to continue to Lesson #4

#1 - Risk Overview

#2 - General Information

Additional Information Means Better Coverage.
One major reason to seek full prospect or client information is to, when necessary, secure proper premium for additional parties. This is typically achieved by adding endorsements. Endorsements allow coverage to be modified to fit situations that deviate from what is covered under a base policy form. Naturally, separate endorsements and, when applicable, additional premium allows for more precise coverage and pricing.
Click here for an example of an additional insured endorsement’s wording under one commercial general liability’s endorsements section in PF&M.

#3 - Business Personal Property​

​#4 - Business Income & Property Inventory

#5 - Inland Marine, Employee Dishonesty, Money & Securities

#6 - General Liability​

#7 - Liquor Liability & Employee Benefits

#8 - Commercial Umbrella & Business Auto

#9 - Workers Compensation