LOOKING AHEAD PANDEMIC, AGENCY GROWTH AND THE NEW YEAR Why smart agents will prosper in the coming year By David Tralka and Robert Pettinicchi Barring an unforeseen event as disruptive
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LEADERSHIP GAIN$HARING A simple way to change your agency culture through a bonus program By Diane T. Keil-Hipp, CPRM Is it true? Can you really change the culture of your

CYBER BEST PRACTICES AT HOME Tips to make your clients less-desirable targets for cybercriminals By Christopher W. Cook For risk

Customer Service Focus By Paul Z. Martin, CPCU THE ELEMENTS OF GREAT CUSTOMER SERVICE IN PERSONAL LINES Use emotional intelligence

Risk Managers’ Forum By David Thompson, CPCU, AAI, API, CRIS WILL THE COVID-19 PANDEMIC INFECT YOUR AGENCY? Conditions are ripe