Planning, Communications, Advocacy
In an earlier blog titled What You Need to Know About E-bikes! I provided information about the proliferation of e-bikes and how personal lines insurance policies respond (or more likely don’t respond) for claims related to e-bikes. I’d encourage you to find about three minutes to read each of those blogs. [Read more…] about Dave’s Producer Corner… E Bikes!
Published by Florida Politics, written by Scott Johnson, AAI,CAE January 26, 2026
My Homeowners renewal premium just dropped by $600. For the same coverage!
While rates in other states are rising, millions of Florida property owners are seeing reductions. Competition is flooding the market. The Office of Insurance Regulation (OIR) just ordered Florida’s high-risk pool (Citizens) to reduce its rates by up to 10%.
Even reinsurance, one of the most significant cost drivers, has been trending down for two years.
But if you listen to trial lawyers, you’d think Florida’s property insurers just discovered a dark, occult ritual for disappearing money. They’ve conjured up another “bogeyman” to spoil our dreams called… “affiliated entities.” [Read more…] about Trial lawyers target insurance affiliates!
The question asked in the title above will likely conjure reactions all over the emotional spectrum. Some might rejoice at the prospect of no Public Adjusters (PA’s). Others, not so much. Many familiar with my opinions might believe I fall into the first category.
But… I am not Anti-Public Adjuster. I am, however, very Pro-Consumer and proud to have authored several insurance statutes promoting consumer choice.
Keep that in mind as you read (perhaps re-read) a November 2025 article in the Insurance Journal (The Journal) titled Florida, National Groups File Suit Over ‘Anti-Public Adjuster’ Endorsements.
Connecting Starbucks and Insurance! (DPC: Edition1; Article 3)
By David Thompson, AAI, CPCU, CRIS
How do we connect Starbucks and insurance sales? I must credit longtime friend and fellow “Insurance Nerd” Robert Norberg, AAI who is president of Arden Insurance Services near West Palm Beach with a creative selling tool that, according to him, works wonders with customers when it comes to the cost of insurance. [Read more…] about Dave’s Producer Corner
I’ve been gathering information supporting the title of this article for several weeks now. I knew the good reforms that took seven years to enact in Florida would pay off. The proof is all around us and my article was going to tell the rest of the country to take notice. It was going to tell everyone that the lawsuit reforms Florida passed three years ago were successful. Indeed we hit a homerun! We have proof. Lower rates and improved competition across the board. In fact, it’s obvious to everyone except those few professions (and a few lawmakers) still mired in the status quo. Either way, thanks to Kyle Ulrich, President of FAIA, I don’t have to write that article. He beat me to the punch, again.
Here is Kyle’s excellent blog titled: “Florida’s Lesson for the Nation.” Read it, send it to others, particularly those outside of Florida, so they can learn that Tort Reform Works and what they can do to get the same results. [Read more…] about TORT REFORM WORKS!!
Lack of Client Knowledge Presents Sales Opportunities for Agents (DPC: Edition 1; Article 2)
Issue–A recent article in the Insurance Journal (Journal) daily headlines email titled “Gaps in Awareness of HO Coverage Provides Opportunity for Agents” came with a message that is no surprise to insurance professionals: Many consumers face exposures that they don’t understand and they don’t have the proper coverage for.
This lack of consumer knowledge gives insurance agents an opportunity to establish a good relationship with clients via education that helps them make informed decisions regarding insurance purchases. [Read more…] about Dave’s Producer Corner
Don Brown, a prime contributor to this website with both his property insurance writings and his counseling on legislative solutions, has just announced the publication of four books–each with groundbreaking relevancy to Florida’s wind paradigm. They are currently available on Amazon under the following titles:
But… it’s his most recent, coming soon manuscript, that will set Florida’s traditional reformers back a step. It’s titled “The Next Paradigm: Florida’s Unseen Insurance Crisis,” and it proves (via actuarial science and documented population patterns) that policymakers have totally missed the mark–focusing on symptoms like rising premiums, insurer exits, Citizens Property Insurance policy count, etc.– and ignoring the root cause of Florida’s dilemma; “…explosive population growth in high-risk coastal zones.”
Johnson Strategies (JS) is proud to announce a new and very special product. It will be available to every subscriber to this blog site and is customized for P&C agency personnel and producers.
It’s called Dave’s Producer Corner, and it exploits the talents and immense knowledge of one of JS’s most well-known contributors, David Thompson, CPCU, AAI, API, CRIS.
It will keep you in the game, in front of customers, making you more knowledgeable about your products in either the personal or commercial arena. It may also include selling tips to help close a sale or handle customer attitudes like Skepticism, Objection and more.
It will arrive at least once a month (maybe more) via brief, concise, articles posted on these pages.
No fluff, no long introductions or explanations, just the facts any busy producer would like to have at their fingertips.
And, like all JS articles it’s free to everyone who merely chooses to subscribe (see below).
Today is the first installment of Dave’s Producer Corner dealing with Commercial Property Vacancy issues.
Please enjoy and spread the word to others about this valuable and free product from Johnson Strategies, LLC.
And, of course, Dave’s Producer Corner is in addition to other content and opinion pieces you are already enjoying from this website. Feel free to comment below and let us know subjects you’d like to see discussed under Dave’s Producer Corner and/or related subject headings.
[Read more…] about Announcing Dave’s Producer Corner!
This article highlights Don Browns most recent contribution, titled: “Behavioral Economics and Coastal Insurance Markets.” His newest white paper exploits our past to help us Floridians improve our future–a future that will always threaten the balance between weather and humankind. Like no other venue, Florida is a petri dish for managing life in paradise.
[Read more…] about When Risk is Misunderstood, the Price is Always Higher!
I asked JS Contributor Barry Zalma to share any recent and significant Florida fraud cases Florida agents should be aware of. While his answer was not in my usual Property & Casualty subject area, this Medicare scam was still noteworthy for two reasons: one; its amount, which was $10.8 million; and two; the perpetrators punishment, which was a 17.5 year prison sentence along with substantial restitution.
Thanks to Barry Zalma, Esq. for sharing. Please enjoy “Operation Brace Yourself!”
[Read more…] about OPERATION BRACE YOURSELF!