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What is Replacement Cost?
Every good insurance professional strives to convince clients to insure their homes and buildings to full replacement cost unless...

Chris Burand
May 156 min read
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Homeowners Insurance? It's not so bad.
I read an article by an amateur data analyst who only seemed able to discover data that matches his hoped-for outcome, which was the need...

Chris Burand
Mar 264 min read
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How much insurance do I need?
Bill Wilson, retired coverage guru and author of the claims book that every insurance professional should have on their desk, “When Words...

Chris Burand
Jan 133 min read
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Education for Professionals
I am far more used to teaching classes than taking classes. Recently though I took a 3+ day full immersion, non-insurance education...

Chris Burand
Dec 17, 20245 min read
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Sanpo Yoshi
Sanpo Yoshi is a 17th century Japanese philosophy which means “three-way satisfaction”. The principle is that a business transaction...

Chris Burand
Jun 18, 20245 min read
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Bait and Switch
So much traditional insurance advertising is designed to imbue confidence. Whether the word "trust" or symbols of trust are used, the...

Chris Burand
Dec 30, 20233 min read
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Breaking News! The sky is not falling!
The world is not ending! Heresy: "Belief or opinion contrary to orthodox religious doctrine." Oxford Dictionary My self-confessed heresy...

Chris Burand
Nov 1, 20236 min read
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Will P&C Insurance Remain Relevant?
Of course it will because states mandate that people carry $X amount of insurance of varying kinds. Additionally, a huge number of...

Chris Burand
Jun 22, 20235 min read
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Keeping, Leaving & Coping
An employee shortage is obvious to most agency owners, managers, and employees too. It is also obvious to almost everyone that hundreds...

Chris Burand
May 18, 20236 min read
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Carriers and Insurtech
I deal with the insurance world daily. Conventional wisdom says there is much more money to be made in a future, fantasy world where...

Chris Burand
Apr 26, 20236 min read
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The Impact of Mismanagement on Agency Value
Business valuations, including agency valuations, are completed based on various appraisal standards (indeed, standards do exist although...

Chris Burand
Apr 26, 20235 min read
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Sloppy Profits
A very professionally minded client of mine who was recently promoted to an executive position commented on how amazed he was to discover...

Chris Burand
Mar 22, 20235 min read
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Fast versus Quality
I read a glowing review of Berkshire Hathaway's Three Question Commercial Application by one of their new clients. He wrote that the...

Chris Burand
Mar 22, 20235 min read
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Now Offering Amateur Liability Coverage!
Undoubtedly, you have all heard of Professional Liability Insurance. For insurance agents, the common moniker is "E&O" insurance. Yet,...

Chris Burand
Jan 19, 20232 min read
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Remaining Ignorant
Business Income and Cyber are arguably the two coverages least understood by agents (although given what I'm seeing in property claims,...

Chris Burand
Jan 19, 20233 min read
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Practice, Practice, Practice
As a producer, do you practice? I was in a situation the other day that I thought I could handle, but something unexpected happened and I...

Chris Burand
Dec 15, 20223 min read
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Underinsured Concerns
"Majority Of Home And Auto Policyholders Are Concerned They Are Underinsured" This is the headline based on polling in mid-October 2022....

Chris Burand
Dec 15, 20223 min read
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Reading Contracts
Almost every agent who has ever taken an E&O class has been told to include a disclaimer on of all the policies they deliver along the...

Chris Burand
Sep 27, 20224 min read
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Everyone Needs the Same Insurance
The other day I attended a meeting regarding how to scale insurance sales. During the meeting, I started thinking, "Let's just make...

Chris Burand
Sep 22, 20225 min read
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To Advise or Not to Advise?
The insurance distribution industry has been slowly evolving away from coverage knowledge for a long time. Education seems to have taken...

Chris Burand
Jul 27, 20224 min read
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