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David R. Carothers

@drcarot

Father to Grayson, Landon and Ethan and Caroline. Principal - Florida Risk Partners, Founder - Killing Commercial, Host - Power Producers Podcast, Author

 Tampa, FL
killingcommercial.com
Joined February 2009
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  • Followers2.2K
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Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)Photo by David R. Carothers (@drcarot)
Check out the latest article in my newsletter: If Your Referral Partners Aren’t Growing, Neither Are You linkedin.com/pulse/your-refe… via @LinkedIn
If Your Referral Partners Aren’t Growing, Neither Are You

If Your Referral Partners Aren’t Growing, Neither Are You

You have a CPA you meet for lunch every quarter. A payroll representative who occasionally checks in.

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Check out the latest article in my newsletter: Your Competitors Sell Insurance. What Do You Sell? linkedin.com/pulse/your-comp… via @LinkedIn
Your Competitors Sell Insurance. What Do You Sell?

Your Competitors Sell Insurance. What Do You Sell?

If I called your best client today and asked what you do for their business, what would they say? “He handles our insurance.” “She shops our coverage every year.

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Rays up!!! Let’s go @RaysBaseball
🤖 Made with AI
Image from David R. Carothers (@drcarot)
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Check out the latest article in my newsletter: Producers Without a Brand Become Replaceable linkedin.com/pulse/producers… via @LinkedIn
Producers Without a Brand Become Replaceable

Producers Without a Brand Become Replaceable

Why commercial insurance producers must build an identity around expertise, process, and measurable value befoIf the Client Can't Explain Why You're Different, You're Replaceable Imagine spending...

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Check out the latest article in my newsletter: You’re Not Competing on Relationships. You’re Competing on Clarity. linkedin.com/pulse/youre-com… via @LinkedIn
You’re Not Competing on Relationships. You’re Competing on Clarity.

You’re Not Competing on Relationships. You’re Competing on Clarity.

Why commercial insurance producers must stop relying on relationships alone and start giving prospects a compelling business reason to change. Everybody Has Relationships.

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Check out the latest article in my newsletter: If You Can’t Explain Your Process in 60 Seconds, You Don’t Own It. linkedin.com/pulse/you-cant-… via @LinkedIn
If You Can’t Explain Your Process in 60 Seconds, You Don’t Own It.

If You Can’t Explain Your Process in 60 Seconds, You Don’t Own It.

Clarity creates confidence. Confidence creates differentiation.

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Check out the latest article in my newsletter: The Great Sterilization of Business linkedin.com/pulse/great-ste… via @LinkedIn
The Great Sterilization of Business

The Great Sterilization of Business

How Technology, Automation, and AI Are Quietly Killing the Human Relationships That Built Our Businesses There is something uniquely disappointing about watching a business you once respected slowly...

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Check out the latest article in my newsletter: Margin Protection Beats Market Shopping linkedin.com/pulse/margin-pr… via @LinkedIn
Margin Protection Beats Market Shopping

Margin Protection Beats Market Shopping

There is a sentence I hear commercial insurance producers say all the time: “Let me see what I can do in the market.” It sounds helpful.

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Check out the latest article in my newsletter: Your Agency Name Isn’t Differentiation. Your Framework Is. linkedin.com/pulse/your-agen… via @LinkedIn
Your Agency Name Isn’t Differentiation. Your Framework Is.

Your Agency Name Isn’t Differentiation. Your Framework Is.

There is a dangerous assumption floating around commercial insurance. Producers believe they are differentiated because they work for a good agency.

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Check out the latest article in my newsletter: Powered by Your Agency, Branded by You linkedin.com/pulse/powered-y… via @LinkedIn
Powered by Your Agency, Branded by You

Powered by Your Agency, Branded by You

Your agency has a logo. It has colors.

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Check out the latest article in my newsletter: If You Haven’t Branded Your Process, You Don’t Have One! linkedin.com/pulse/you-haven… via @LinkedIn
If You Haven’t Branded Your Process, You Don’t Have One!

If You Haven’t Branded Your Process, You Don’t Have One!

You Don’t Have a Process. You Have a Pile of Activities.

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Check out the latest article in my newsletter: If You’re Not Reviewing Loss Runs Like an Underwriter, Why Would They Hire You? linkedin.com/pulse/youre-rev… via @LinkedIn
If You’re Not Reviewing Loss Runs Like an Underwriter, Why Would They Hire You?

If You’re Not Reviewing Loss Runs Like an Underwriter, Why Would They Hire You?

There is a moment in almost every middle-market commercial insurance sales process that tells me exactly what kind of producer I’m dealing with. The loss runs show up.

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Check out the latest article in my newsletter: The Mod Is the Mirror. Don’t Blame the Reflection. linkedin.com/pulse/mod-mirro… via @LinkedIn
The Mod Is the Mirror. Don’t Blame the Reflection.

The Mod Is the Mirror. Don’t Blame the Reflection.

The Mirror There is a sentence I hear all the time when I start talking to a business owner about workers’ compensation: “Our Mod is killing us.” No, it isn’t.

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Check out the latest article in my newsletter: Assigned Risk Is a Symptom, NOT a Strategy linkedin.com/pulse/assigned-… via @LinkedIn
Assigned Risk Is a Symptom, NOT a Strategy

Assigned Risk Is a Symptom, NOT a Strategy

Stop Treating the Symptom There’s a moment every commercial insurance producer who writes enough workers’ compensation business eventually experiences. You get the opportunity.

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Check out the latest article in my newsletter: Workers’ Comp Is Not a Line of Coverage. It’s a Leadership Tool. linkedin.com/pulse/workers-c… via @LinkedIn
Workers’ Comp Is Not a Line of Coverage. It’s a Leadership Tool.

Workers’ Comp Is Not a Line of Coverage. It’s a Leadership Tool.

Stop Selling Workers’ Comp Like Insurance If your workers’ comp conversation starts with payroll, class codes, rates, and premiums, you are already playing the wrong game. I’m not saying those things...

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Check out the latest article in my newsletter: If You’re Not Talking About Claims, You’re Not Talking About Profit. linkedin.com/pulse/youre-tal… via @LinkedIn
If You’re Not Talking About Claims, You’re Not Talking About Profit.

If You’re Not Talking About Claims, You’re Not Talking About Profit.

There is a phrase I hear producers use all the time when they are trying to explain the value they bring to an account: “We have great claims service.” Cool.

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Check out the latest article in my newsletter: Pre-Injury Management Is the Real Competitive Advantage linkedin.com/pulse/pre-injur… via @LinkedIn
Pre-Injury Management Is the Real Competitive Advantage

Pre-Injury Management Is the Real Competitive Advantage

Stop Selling Claims Management. Start Selling Injury Prevention.

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Check out the latest article in my newsletter: The Revenue Roadmap | Edition #155 Experience Mods Don't Lie. Producers Just Ignore Them. linkedin.com/pulse/revenue-r… via @LinkedIn
The Revenue Roadmap | Edition #155 Experience Mods Don't Lie. Producers Just Ignore Them.

The Revenue Roadmap | Edition #155 Experience Mods Don't Lie. Producers Just Ignore Them.

By David R. Carothers, CIC, CRM, CWCA The Most Valuable Document You're Probably Not Asking For Walk into ten workers' compensation prospect meetings and watch what most producers ask for.

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Check out the latest article in my newsletter: If You're Not Leading with Workers' Comp, You're Missing the Door Opener linkedin.com/pulse/youre-lea… via @LinkedIn
If You're Not Leading with Workers' Comp, You're Missing the Door Opener

If You're Not Leading with Workers' Comp, You're Missing the Door Opener

Why the fastest way into middle-market accounts isn't property, cyber, or benefits. It's the one line of coverage every employer thinks about every single day.

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I’m fairly certain that if these packs of squishy-chasing moms working in teams were responsible for dealing with Iran, this thing would have been over long ago.
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