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    EXPERIENCE DEFINES SUCCESS

EXPERIENCE DEFINES SUCCESS

Agency of the Month EXPERIENCE DEFINES SUCCESS Experienced employees provide service and know-how to write major commercial accounts There are not many agencies that can boast of a revenue per employee in excess of one million dollars. But that’s the agency that Denise Lloyd has built in Washington, D.C., where D.H. Lloyd & Associates has grown into an agency with a book of gross sales of $7.5 million handled by

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    OUTSIDE THE  BOX

OUTSIDE THE BOX

OUTSIDE THE  BOX New MGU platform Ethos refines the art and science of specialty underwriting Does anyone remember the once- powerful phenomenon known as the underwriting cycle? Back in the day, the standard property/casualty market predictably hardened and softened every few years, with competition driving rate cuts until the losses on underpriced business caused insurers to get tough, raise premiums, and even exit troublesome lines and classes. When standard carriers

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    WE’VE GOT YOUR BACK

WE’VE GOT YOUR BACK

AGENCY PARTNERS WE’VE GOT YOUR BACK GuideOne rebrands, recruits independent agents If the name GuideOne isn’t familiar to you now, it will be soon. Established in 1947 as Preferred Risk Mutual Insurance Company, the insurer has launched a virtual blizzard of new initiatives, the majority of which are focused on establishing strong relationships with independent agents. Rated A- by A.M. Best, GuideOne is active in all 50 states and is

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    EMPLOYEE OWNERS MAKE THE DIFFERENCE IN MISSOURI

EMPLOYEE OWNERS MAKE THE DIFFERENCE IN MISSOURI

CAPITALIZING ON BENEFITS EMPLOYEE OWNERS MAKE THE DIFFERENCE IN MISSOURI Passion for service and top-notch technique drive benefits success When small local agencies come up against the challenge of agency perpetuation and their clients’ growing need for more sophisticated employee benefits services, many sell their businesses to larger national brokers or benefits consultants. But Winter-Dent & Company in Jefferson City, Missouri, has chosen a different path to growing its business—sharing

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    WHERE THERE’S SMOKE, THERE’S FIRE

WHERE THERE’S SMOKE, THERE’S FIRE

WHERE THERE’S SMOKE, THERE’S FIRE Carrier offers wildfire defense service Over the past few years, national attention has been directed toward the destructive effects of wildfires. Wildfires are a growing crisis and continue to cause significant damage. The latest statistics from the National Interagency Fire Center illustrate the scope of the problem; in 2017, for example, more than 56,000 wildfires burned over 9 million acres of land. These fires also

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