The best agents and brokers work hard to foster strong relationships with their customers and the insurance companies that underwrite the policies. After all, these collaborations ensure a satisfied and profitable customer.

Other tangible benefits derive from these mutually constructive interactions, as demonstrated by recent discussions I enjoyed with two high-performing agents. Each has discovered that a strong personal relationship with carrier personnel can open the door to assistance that extends beyond the scope of the insurance contract.

Mark Garvelli, vice president of personal lines at Buffalo, N.Y.-based Walsh Duffield Cos., said, "When I call the underwriter, marketing rep, or even the insurer's senior managers, they know I'm calling about something urgent involving an important client. I then know they will do everything humanly possible to make the situation right."

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