text on a white background: letting your agency's exposure be ignored is asking for trouble, and not just from cyber criminals
March 03, 2020

Data Security

I remember a few years ago when Target got hacked and tens of millions of people's personal information was stolen. A data breach came to the attention of America. I don't know about you, but my …

| By Tony Caldwell
text on white background: who's running your business?
February 25, 2020

Who's Running Your Business?

Insurance Agency owners are always asking me, how can I make more money on the business I'm already writing? That's a great question. I always answer that by asking a question of my own? Who's …

| By Tony Caldwell
photo of Tony with Nick Nurse quote: You can't do a very good job if you don't love what you're doing
February 14, 2020

Do You Love It?

We live in an amazing time in the history of the world for all kinds of reasons. One of them is that at least in the United States, you can make a living doing just about anything you want. No one is …

| By Tony Caldwell
text: a hard market is the best time to get into the commercial lines business
February 11, 2020

Danger or Opportunity?

I'm currently reading William Manchester's three-volume biography of Winston Churchill. During the 1930s, Churchill was in the political wilderness with hardly anyone paying attention to him. That …

| By Tony Caldwell
text: how does eliminating difficult customers create growth?
January 28, 2020

Eliminating Difficult Customers to Create Growth

I remember 1997 I got the opportunity to hear a man named Roger Sitkins speak for the first time, and he changed my life. He told me about this little known Italian economist who had an agrarian …

| By Tony Caldwell
headshot with quote: that which becomes scarce becomes more valuable
January 21, 2020

Scarce = Value

"That which becomes scarce becomes more valuable." - Dan Sullivan Dan is just talking about the laws and supply and demand when something is in short supply it cost more, right? And when there's a …

| By Tony Caldwell
text: what do you mean by pay your business first
January 14, 2020

Pay Your Business First

That was something I learned from my business partner, Ken Anderson. I don't know where he picked up the idea, but he was right. The idea was that you always have to make sure your business makes …

| By Tony Caldwell
text: people who are intentional about their culture
January 14, 2020

Creating the Culture You Want

Nearly 25 years ago I became a partner in an existing business. While this was a fantastic opportunity for me it was a difficult beginning. For one thing, no one talked to me much. It wasn’t until …

| By Tony Caldwell
text: what is EBITDA?
January 14, 2020


I have talked to business owners a lot about this term EBITDA, and they look at me with a puzzled look. It’s not either heard it before, or they don’t know what it means. EBITDA is an acronym. It …

| By Tony Caldwell
black background with a red border and text: what do you mean by cash flow not profits?
January 14, 2020

Cash Flow, Not Profits

I think people get confused about what’s important in running a business. You know, we talk all the time about the bottom line, the bottom line is profits.

| By Tony Caldwell