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Feb 27, 2022


EP 64 - Todays episode was inspired by a recent CE class on Ethics. There were many great ideas shared, in a boring ethics class, but the tips I'm sharing today were from the discussion. 

There was actually a list of 50 risk management tips and I've taken 10 of them and offered my thoughts on them from my own experience in the industry.

States didn't always require ethics, it's only been a requirement for about 20 years. When I first entered the busines we didn’t have to take ethics. It’s a good refresher but it can also be boring! 

I’ve titled this episode Risk Management Basics because you might find these ideas fairly basic. The reality is, someone new might not even know these things and a few of them it might take a few years before someone figures them out.

Personally, I think they are essential, so if you are new, figure out how to incorporate them into your business and if you aren’t doing these things as an experienced agent, now might be a good time to start!

  1. Maintain All Licenses
  2. Understand the value of professional development
  3. Don’t promise more than you can deliver
  4. Verify Fax Transmissions
  5. Use Coverage Checklists
  6. Use Standardized proposals
  7. Checkall policies and endorsement for accuracy
  8. Document coverage rejections
  9. Avoid giving recorded statements
  10. Fire Bad Clients


This is a mailing service I’ve been using for over a year now and I love them. 

I send all of my birthday cards, thank you cards and marketing post cards from this platform. 

My birthday cards are automated. I set it and forget it. The only thing I have to do when I add someone new is to put them into the automation series and the rest is done for me!

I have marketing mailings scheduled for several months. I blocked out two days to set everything up and now I just watch the phone ring!

Check out and see how you can stay top of mind with your clients and referral partners. Tell them Debbie DeChambeau sent you!


This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo. 

Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. 

She is the co-author of Renewable Referrals and produces two other podcasts, Divorce Exposed and Seniors We Love. 

 Connect with Debbie on LinkedIn, Twitter or Instagram.