Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

I’m always eager to start each week with words of wisdom, and today’s are:

If everybody is doing it one way, there’s a good chance you can find your niche by going exactly in the opposite direction. ~ Sam Walton

Have you ever heard the saying, the riches are in the niches?

I started my insurance career 40 years ago working for Prudential Insurance on their debit system.

Are you asking yourself, “ what’s a debit system?” Good!

The debit system was when you purchased life insurance from Prudential (Hancock, Metropolitan and all of the other mutual insurance companies).  It used to be that the life insurance agent who sold you the policy would come by once a month to pick up your premium. Gasoline was very cheap and that’s the way the life insurance business had been done since the beginning of time.

What you should also know about me is that I was a longhaired, motorcycle driving, cigarette smoking, 20 year old working 2 full-time jobs.

My interview went like this: On the urging of #TheMan, he told me to go to the local Prudential life insurance office for the interview. He thought the manager would be impressed with my work ethic as a 20 year old.  

Spoiler Alert: The manager was not impressed. He seemed more bothered that I did not get a haircut nor did I shave. I also wore a leather jacket and carried my helmet into the interview.

I was told I would be contacted after the interview. The home phone (landline was our only form of phone communication) rang about a week later. #TheMan told me that if I was willing to shave, get a haircut and buy a suit, I had a job. He also said that if I didn’t have a car, one would be provided. My salary for the first 13 weeks would be more than what I was making working the other two jobs combined.

He asked if I wanted the position. I told him that I did.

More next week!

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