About Us
In 1983, Sandi Manera was operating a four-office chain of
auto insurance agencies in West Palm Beach, Florida.
Although the agency had been in business for almost seven
years, she just couldn't seem to squeeze a real profit out
of the business. It seemed that no matter how much
commission she was able to earn, her expenses always grew
beyond his income.
When she ran the numbers, she
saw that it was costing her better than 20% of annual
premiums to run the agencies - while the average commissions
were running less than 14%. The only thing
keeping the agency alive was the cash flow generated by
account current relationships and the delay allowed in
settling premium obligations - advantages no longer
available today.
Sandi knew she had to do
something to get the business to profitability and she had
few options. She couldn't adjust the commission rates.
She couldn't raise the premiums. She couldn't add
service fees.
There were some add-ons
available, but they were mostly unsuitable for the auto
insurance environment. Big, ugly awkward motor clubs.
Single-benefit AD&D's underwritten by no-name companies
where the policies never seemed to be issued.
She saw the need for a new add-on
product — one focused exclusively on the needs of the auto insurance
specialist. The original ASCC Towing & Rental contract was the
result of that analysis. That little contract has since grown
into an entire family of products designed to bring profitability to
the the auto insurance agent and terrific benefits to the consumer.
Now, the Towing & Rental Group, Inc.
continues to provide the finest and most innovative in insurance
add-on products. |