I was read­ing Seth Godin talk­ing about What to do with spe­cial requests, and as I often do, related it back to my own prac­tice to see whether I was doing the same thing or some­thing dif­fer­ent, and why.

When I was in the gen­eral insur­ance indus­try, clients with a poor claims record or high-risk prop­er­ties were quoted higher rates and/or higher deductibles. Some­times very high… but we tried not to say “no.” Some­times clients would accept the rates or terms offered, and some­times they’d just keep shop­ping and place their cov­er­age elsewhere.