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    PUTTING ALL THE PIECES TOGETHER

PUTTING ALL THE PIECES TOGETHER

Agency of the Month PUTTING ALL THE PIECES TOGETHER From personal lines startup to financial services powerhouse By Dennis H. Pillsbury Tim Hyland started his working life as a high school teacher and coach after graduating from St. Louis University where, in addition to studying, he also played basketball. His next job was as an administrator for a downtown insurance agency where he was told that he could also do

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    COMMERCIAL INSURANCE: What’s next?

COMMERCIAL INSURANCE: What’s next?

COMMERCIAL INSURANCE: What’s next? A hardening market with still-abundant capital means carriers will respond to the right risks By Joseph S. Harrington, CPCU At the start of 2020, much of the talk in commercial insurance seems to center on rate hikes and tightened underwriting in both property and liability lines. This apparent hardening of the market comes at a time when earnings have been hit by property catastrophes and growing

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    BURNING DOWN THE HOUSE

BURNING DOWN THE HOUSE

Personal Lines Focus BURNING DOWN THE HOUSE The recent California wildfires are contributing to a hard market, but risk management strategies can help your clients prepare for future events By Christopher W. Cook Samuel Taylor Coleridge wrote in The Rime of the Ancient Mariner “water, water everywhere, nor any drop to drink.” That may have been relevant in our previous Personal Lines Focus piece on floods, but now we’re discussing

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    INSURING MUNICIPALITIES

INSURING MUNICIPALITIES

INSURING MUNICIPALITIES With know-how and experienced markets, agents can build a solid book in this thriving sector By Elisabeth Boone, CPCU In the years of the recession a  decade or so ago, municipalities of all sizes and in every state were struggling to survive. Drastic budget cuts, layoffs, and curtailment of services were depressingly routine, and many entities settled for bare-bones, bargain-basement insurance coverage. Municipalities have emerged from the previous

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    TOP CYBER THREATS FACING INDEPENDENT INSURANCE AGENCIES

TOP CYBER THREATS FACING INDEPENDENT INSURANCE AGENCIES

TOP CYBER THREATS FACING INDEPENDENT INSURANCE AGENCIES While threats have become more sophisticated, so have the tools for fighting back By Jason Gobbel A guy walks into a bar, orders a bourbon on the rocks, turns to his buddy and says, “Did you hear about the agency CFO who just wired $49,000 to some crook in Croatia?” Sounds like the start of a good joke, but it’s no joke. I

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