Thanks for the lesson in grammer njexpat! I found your post brazen, disreputable and repetative to the information contained in my post. :D Agents today have to be more than salespeople. We are also sometimes risk managers, Lawyers, counselors and financial advisors. It is our responsibility to prov...

Not that I know of. Besides, wouldn't you want to find out if their payroll increased so that they don't get hit with a huge additional premium at audit time? You also want to keep a copy of the signed application for your files too.

Good agents know that a recommendation is necessary and should have it's own page in the proposal. This brings us back to Transparency...in addition to our commission, we must supply the consumer with the original carrier quote. While we cannot predict the future of an insurance co's solvency, if I ...

Kevin, Are you suggesting that Agents are useless? This is a topic for an entirely separate discussion. I suggest that if you're business comes from agents, you refrain from rude comments. To answer your question: In most agencies today, all carriers are represented in our proposals equally and orig...

Underwriters and Loss Control consultants seldom agree. This is just another prime example of internal company personnel not working together to underwrite properly. I would ask this question to your underwriter. This "mutual" just lost another potential source for income, especially since...

TIV is $20M plus, upper middle market accounts (Frame Construction). Also seeing the same (or worse) in LaPorte.

The E&S Market has the same take on Harris County. We've had to get deductible buy back policies in some cases because the lenders require everything under the sun.

I recently sat through several Carrier Appetite Meetings with Property and Casualty Insurance underwriters. I think the consensus in Texas (Harris County) is that carriers can no longer call themselves Property and Casualty companies...they only want the casualty. Each time, the same question is ask...