By Ken Kukral
International Excess has been producing blog articles for some time and we have tried to find topics that are of interest to you. I hope you have enjoyed them and find them informative and worthwhile reading.
In looking for topics, I try to find insurance topics that are of interest based on my experiences on a day to day basis. I try to learn something every day and I like to share those “lessons” with you. Being a “coverage guy” (a dying breed) I find a wide variety of areas to be of interest and I seek to learn as much as I can, so you can come to me with your questions, complex accounts or general coverage issues so that you can provide answers and solutions to your clients. I am here to serve you and be a resource for you.
That all being said, I can continue to come up with topics that I THINK will be of interest to you. Or I can ask you what topics you want to hear about. What coverage areas bewilder you? What do you want to know more about? Are you having ethical dilemmas in your day to day insurance dealings? Are there topics you want my opinion on? Do you need a solution to a coverage problem? Are there those “unanswered insurance questions” you have in the back of your mind that you would like to have answered?
This is your chance to ask away….
When I came into this business in February of 1986 (yes I am old) I worked with an underwriter who was getting ready to retire. The day I started he put in his notice that he was going to work 2 more months full time and 6 weeks part time and then be gone, never to be heard from again. Yikes, what was I going to do? It was obvious that he had a lot of insurance knowledge in his mind and it was my job to extract it. So what did I do? Ask a million questions of course! Everyday, I asked both technical questions and philosophical so I could understand the “big picture” and how all the small parts fit together to make up the big picture. He was more than willing to answer questions and impart his knowledge. There were a few areas I had “mental blocks” in and I remember asking the same question nearly a dozen times until it finally sunk in. I had to swallow my pride just ask the same question over and over until I “got it”.
To this day, I still ask a lot of questions. I am the “coverage guy” at the office and I am the one everyone comes to for answers. I love going to CIC Graduate Seminars since they get into many topics I want to learn more about. Being the type of person who does not want to go into a situation lacking the knowledge to intelligently discuss the topic or problem I have a need to be prepared and come off as knowing what I am talking about. I do find out on a daily basis how “little” I know and how expansive the technical areas of insurance are. I am not afraid to get involved in new coverage areas and quickly try to get up to speed.
With new entries or younger individuals in the insurance business I encourage them to ask as many questions as they can. I get worried when they stop asking questions since I know how much it takes to get to the point where you have a significant amount of knowledge in this business. Many of the “coverage guys” I know in this business or either retired or are on the verge of retiring.
So let me know what you want to hear about, what you want to learn and I will see what I can do to provide blog articles that interest you and help to expand your insurance and coverage knowledge.