You have been gym buddies with Marcus, a local contractor, for the past few years. You have

known him in passing at the gym, exchanging small talk, but rarely discuss business during your

gym time. Marcus did track you down today at the tail$-$end of your life and said he wishes to

discuss his policy with you as he has recently contracted to start working for a prominent land

developer. After setting an appointment with Marcus, he has told you that the incumbent

carrier, Intact, has recently increased his rates by $20\%.$ Marcus has never had a claim and is

quite upset over this increase he experienced. You decide to help by performing a market

analysis and speaking to your underwriting contact to see if you can get Marcus a better deal.

You have discovered that Marcus receives the best rate available with major insurers, but you

have found a coverage option through an MGA. The MGA requires a volume commitment from

the brokerage to place policies with them, which their business development team is happy to

connect to discuss. Their policy offering can be half the price of Intact, but you're unsure what

their coverage entails.

Karen is a highly respected community member and serves as a local city councillor and a high$-$

profile local realtor. Karen has her home, car, CGL & $20$ rental properties insured through you.

Karen is also a family friend $($she has your last five family Christmas dinners$)$ and has referred

many clients to you. You received a notice within your morning downloads that Karen is on the

verge of having her personal Homeowners policy cancelled for non$-$payment. After investigating

the situation, you noticed that your team has attempted to reach her numerous times over the

past few months about this ongoing billing issue. When speaking to a colleague regarding the

matter, they told you this was not the first time this situation had happened with Karen, and it

had become a running joke amongst the service team.