
David R. Carothers
@drcarot
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Father to Grayson, Landon and Ethan and Caroline. Principal - Florida Risk Partners, Founder - Killing Commercial, Host - Power Producers Podcast, Author
Tampa, FL
Joined February 2009
The number one mistake agents make in an AOR is not coaching the client on what happens next.
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If you don’t prepare your new client before tendering an AOR, the incumbent will bury you trying to save the deal.
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Hired and non-owned coverage doesn’t protect your subs, it protects your company from your subs.
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Almost everyone who gets hurt at work just wants two things: to get better and to get paid.
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Workers comp fraud happens when employees sitting on the fence aren't given a clear path to do the right thing so they try to cheat the system instead.
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Every employer should declare: we are a light duty employer.
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Return-to-work only works if it’s company policy, in the handbook, and part of training.
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Pre-injury management is the real start of leading with workers comp.
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In the insurance industry, you can make a living doing just enough to get by, but those who push themselves unlock unlimited earnings.
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Many agents are happy being order takers. Producers create business, they don’t just catch it.
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In my first book, The Extra 2 Minutes, I talked about how some of my experiences from my days in retail have transferred to my career in insurance. One of the things I have continued to do is drive around the building before a new business appointment. It’s based on the
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Middle market production isn’t about beating the streets every day expecting instant gratification. It’s about deposits made over time that bear fruit later.
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If you inflate a base rate to hit minimum premium, the audit will crush your client when they grow.
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Last week our Golden Retriever had to have emergency surgery. The veterinary experience is almost like express oil change with the upsells these days. Here's what I walked away with: If your vet can upsell you from a fecal test to a full-body MRI, producers should be able to.
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You don’t need more volume. You need more discipline in what you pursue.
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Every lost account is a story. Tell it to prevent losing the next one.
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If you don’t know your numbers, you’re flying blind in sales.
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Retention is cheaper than acquisition. That’s why onboarding is everything.
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Most agencies waste Google Ads money chasing the wrong accounts. Content wins long-term.
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Content compounds. One 2,500-word blog can generate leads for years.
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