Insurance
The E-Book Experiment
I hinted yesterday’s post about Alan’s 30-Day Blogging Challenge that I was going to unveil another blog that I have been preparing to start. Except that it’s not a blog. Except that it is a blog, too.
In fact, it’s a book. Or more accurately, it will be a book. Most likely an e-book. But I’ll be writing it one chapter at a time. And not necessarily in order. In fact, most likely not in order at all.
Homeowners Insurance Loss Ratio Chart

In reference to the following published by Florida Today newspaper, I received the following question. I’m no longer licensed as an insurance agent, so I can’t give personal advice on insurance, but I’ll go ahead and comment on the general issues if it might be helpful for those looking for some direction on these issues.
Here’s the original email I received:
The chart that appeared in FLORIDA TODAY last Sunday, 8/5/07, deserves some analysis. I am no expert. I wish one would step forward. Until one does, here are my observations:
Allstate Floridian gives property policies to Royal Palm
Allstate Floridian, a subsidiary of Allstate Corporation, was originally formed in 1996, in the political aftermath of Hurricane Andrew that struck Florida in 1992. It’s purpose was to be a stand-alone company that would help to isolate its parent corporation from severe catastrophe losses in Florida. After years of chaos in the Florida property market, the creation of a state-mandated and state-funded property market, and the insolvency of nearly a dozen property insurers (including others that left the state before insolvency), the Florida marketplace for property insurance was significantly desolate.
7 Tips to Manage your Agency
I wrote this a while back for insurance agency owners, but it may equally apply to your business.
1. Track (religiously) anything that you want changed. Information is power - and not a burden to track when it helps you achieve your goals. If you don’t know, well then, you don’t know. And if it takes you 30 minutes to find out, you won’t access that information very frequently. The old saying is true: What gets tracked, gets done.


