When a small-business proprietor ta...

When a small-business proprietor talks to an agent or carrier these days it be seens the conversation often begins with "Why me?" Then it builds. "I haven't had any losse for years. I've been loyal. I pay my bills forward time. I don't make many changes to my policies or my operation. in like manner why does my property/casualty premium hold increasing? This is the third year in a rank of rising prices, and each year's increase has been larger than the last. When will it stop?"

At this point in the conversation, it's easy to empathize