There are some things that an insurance agent should never say to a customer, especially in writing. Customers will take what their agent tells them as the truth, even if it isn't as true as it could be. We've all heard well-meaning insurance agents use phrases like this. In this two-part series, we will examine several common phrases used by insurance agents who believe that they are helping their clients, but may be unintentionally harming both the client and the agency. In this session, we will deal with questions like these and what an agent ought to say instead. 

• "You don't need that coverage."
• "Your assets are protected and can't be taken"
• "You have no employees so you don't need hired and non-owned auto liability"
• "Put the car in your kid's name, that way you can't be sued."
• "You are not in a flood zone and don't need flood insurance."
• "Your CGL has blanket additional insured status."