I insured many an immigrant in Atlanta. And by that, I mean commercially. I had quite a book of business not because I spoke spanish (I didn’t), but because I taught them how to work their books to not get hit with heavy audits and most agents didn’t have the patience for that. Basically most started out as laborers on construction crews until one (the one who learned english the fastest and had the most business sense) would eventually break out to start their own crew and bidding on jobs. Then they needed insurance for liability and workers comp. That’s when I dealt with the wife of the owner and that’s who I usually taught how to maintain the books and how to put the percentage of the job into a savings account for the audit of premium. Most had been here four or five years maybe and I became friends with quite a few. I envied most of their houses! Tell me people ‘can’t’ start a business! They came here sleeping on someone’s sofa until they earned enough for a place, then learned enough to do it on their own. I have no sympathy.
Thank you for your post. Great information even though it can be considered anecdotal.