As an agency owner, your PIN protects more than a card—it shields your operating account, commission sweeps, payroll, vendor payments, and client trust. Because Agents travel, meet clients in busy places, and use ATMs and point-of-sale terminals on the go (think catastrophe deployments, conferences, hotel kiosks, gas pumps), your exposure is naturally higher. Changing your PIN regularly is a small habit with outsized impact on cash security and E&O risk. Read more.