Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

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Homeowners replacement cost estimates: Learn from an expert

Published on May 5, 2015

Nearly five years on from the passage of state regulations that tightened underwriting guidelines for replacement cost estimates on homes, the new standards are still giving the industry cause for pause. The text added to the California Code of Regulations created standards for real estate appraisers who estimate replacement costs for insurance purposes more »

Wholesale Distribution – How much do you know?

Published on April 28, 2015

If you’re an insurance agent who has done any business with us, then you know at least a little about the process of working with a wholesaler. But the thing is, there is probably a lot that you still may not know. Are you unsure what the differences are between a wholesaler, an MGA, an MGU, and a Surplus Lines broker? Do you understand the more »

Do You Know Your Small Business’ Reputation? | Business Tips for Insurance Agents

Published on April 9, 2015

Whether you do business online or not, your reputation could be out there on the world wide web. Many small businesses assume that if they don’t create an online presence, then they don’t have one. That’s just not the case anymore. Before the Internet became an integral part of our daily lives, your business’ reputation was something that you more »

Wedding Bells are Ringing | Wedding Insurance season is here

Published on April 7, 2015

photo credit: via photopin (license) At Easter brunch I sat with an engaged couple and one of their groomsmen. The conversation was quickly taken over by the talk of upcoming nuptials. They had just been to a couple breweries the day scouting out a good location for engagement pictures. “Is that a thing?” their older cousin asked. “What,” more »

California: “Where the super Rich are buying homes” | High Value Homeowners Insurance

Published on March 24, 2015

We learned earlier this year that California has more of the top wealthiest real estate markets in the country than any other state. But today, this article from CNNMoney sheds light on the fact that we have two of the top cities in the WORLD “Where the Super Rich are Buying Homes“: The United States is the top destination for those worth more »

Grocery Store Loyalty – Commercial Insurance Highlight

Published on March 17, 2015

When I was young, there was a small grocery store up on the corner near our house called Lester’s. Being the youngest, I was always jealous of my older siblings when my mom would ask them to walk up to the corner and get a loaf of bread or a carton of milk for her. I was a toddler at the time, and it seemed like an adventure to get to walk all the more »

Insurance Agents near the Bay Area: Don’t miss this!

Published on March 10, 2015

ATTENTION INSURANCE AGENTS IN DRIVING DISTANCE TO THE BAY AREA: You don’t want to miss out on the first annual Bay Area Insurance Expo hosted by the East Bay Independent Insurance Agents Association! It’s happening NEXT WEDNESDAY, MARCH 18, and it includes classes for CE credit, a luncheon with keynote speaker John Borbi, and an exhibitor more »

New home or renewing policies | Wholesale Homeowners Insurance Markets

Published on March 3, 2015

I’ve met three people in the last week just in conversations at coffee shops and the grocery store who were in the midst of moving. How many have you talked to recently? Whether they’re moving, or they just need a new policy, we have the wholesale Homeowners Insurance markets for you to get them covered. Check out the product Highlights more »

California, Horses, and the insurance to cover them | Wholesale Equine Insurance

Published on February 24, 2015

Did you know that California has the third highest number of horses out of all of the states? Think about it, if you grew up in California or if you have lived here long, chances are you have either owned or ridden a horse yourself, or you have known someone who has. It’s one of those California perks of life is our casual access to such large, more »

The beginning of Insurance – Video Post

Published on February 19, 2015

How did you get into the insurance industry? Perhaps you’re like me and you stumbled into it because you had some of the qualifying skills. Or perhaps you were the little kid lining up your toys, asking them if they wanted to also purchase an umbrella policy because it would be so sad if the unmentionable happened and Polly Pocket ended up on more »

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