The Press release that went on my book, The Savvy Businessperson’s Guide

New Guidebook Covers All Aspects of Property, Casualty Insurance

Karin A. Fleischhaker Draws on Years of Experience in Insurance Industry to Offer Guidance, Advice

OCALA, Fla. – “It is interesting to find that attitudes about the insurance industry have not changed throughout the years,” Karin A. Fleischhaker writes in the introduction to her new guidebook, The Savvy Businessperson’s Guide To Property & Casualty Insurance: Applications and Practices (published by AuthorHouse). “We tend to condemn our insurance agents for not providing us service, but, in most cases, we, as business owners, are unaware of what services we may require. Ultimately, such lack of understanding – and communications – may result in bad feelings and possible lawsuits against your insurance agent or insurance company.”


The Savvy Businessperson’s Guide To Property & Casualty Insurance seeks to eliminate some of the misunderstandings surrounding the insurance industry, its agents and its clients. Designed for business owners, controllers and anyone desiring information about the industry, Fleischhaker offers a simple, thorough reference guide for coverage issues relating to many types of insurance, including: Liability, Property, Inland and Worldwide Marine, Foreign, Flood, Automobile, Truckers, Garage and Dealership Liability, Boiler and Machinery, Bonds, Workers Compensation and Umbrella/Bumbershoot and Excess Coverage. While her information is backed by years of experience and detailed research, Fleischhaker does offer a warning: “This book is merely descriptive and should be used for illustrative purposes only. You must read your policies and consult your insurance agent or attorney if you have specific questions relating to the coverage you have been provided.”


The first chapter provides the reader with an important overview to the many contracts, terms and conditions found in the insurance industry. In just a few pages, Fleischhaker simplifies what often stymies insurance policy holders – and sometimes their agents. Miscellaneous information is also provided, and self-help forms are included to help determine one’s exposure to loss. At more than 550 pages, The Savvy Businessperson’s Guide To Property & Casualty Insurance is one of the most comprehensive books on the subject available. Find out more in this informative, reader-friendly book.


Karin A. Fleischhaker initially selected an artistic vocation, but when she was offered a rater/underwriting position with Minnesota Mutual Fire & Casualty, she found herself quickly drawn into what would be her life’s calling. Before entering the agency side of insurance, Fleischhaker worked in the loss control department of the St. Paul Companies, where she was able to draw upon her writing and artistic skills. Often called a “walking book,” her passion for insurance and contractual law enhanced her creative and problem solving skills to assist all clients to receive the best possible product at the lowest cost available. Continuing education in insurance and related topics has been of utmost importance to Fleischhaker, and she received her Chartered Property Casualty Underwriter (CPCU) designation in 1987.

The Savvy Businessperson’s Guide to Property & Casualty InsuranceApplications and Practices

Front Cover
AuthorHouse, 2008 – Business & Economics – 552 pages  Double click on the book to see some of the contents.
n my nearly forty years in the insurance profession, I have noticed those insureds who are given a basic knowledge of the options which are being offered to them, as well as explanations of their existing coverage, are the clients which an agency will retain for a number of years. This Guide does not provide each and every coverage issue nor is it to be utilized as a replacement in reviewing your own policies. Instead it is hoped that the information contained herein will assist you when reviewing the insurance programs which may be offered to you by your agent or insurance company. The insurance industry changes yearly, but by being provided the basics and a firm coverage understanding, you may be not only protect your business by being assured your business is insured appropriately but the benefit may be fundamental in providing changes which may be required by members of the public. I have been very fortunate in my career to have worked for numerous agencies and two insurers, managing the difficulties associated with soft and hard markets and the ability to have mastered solutions for unique territorial problems associated with the East and West coasts as well as those of the Midwest. In my passion to continually educate myself in an industry I love, I have had the opportunity to extend my knowledge to not only a few segments of the insurance industry but to all areas of property and casualty insurance. I began my career at a time where one had opportunities to learn if one was willing and able to extend themselves by self-study and experience. With the lack of college level insurance education and the fact that even with education through the many programs offered through the American Institute for Property and Liability Underwriters, Inc. and other insurance schools, a graduate must still work their way up the ladder. This does not usually entice a graduate to enter into the insurance industry when many other vocations offer higher scales of remuneration than the insurance industry does for a beginner. Not only are their fewer experts as the baby boomers begin to retire (These baby boomers began their careers prior to the many changes brought forth to the industry, and managed to stay ahead of any changes which may be implemented) but many agencies and companies now train their employees to know only a certain segment of each form of insurance. Instead, form letters and proposals are designed for use by all concerned without thought of the coverage issues and terms surrounding them. Raters no longer are trained in underwriting; Account managers and technical assistants likewise may handle only one segment of a business and be unable to recognize other areas where an exposure may exist. For a greater part, these changes have been instituted due to the litigious state of the industry of insurance. Today agents and companies are fearful of even providing insureds with summaries of insurance by reason that in the event of a typographical error, they will be taken to court. Yet without attorneys the industry would not be able to protect itself, nor would you.



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