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Wanted to see what everyone here though about hiring licensed vs non licensed CSR's. We dont use them but I know many agencies do and these non licensed CSR's are quoting an talking coverage with clients.

Hiring a non-licensed CSR potentially puts your agency, license, and E&O at risk. If an unlicensed CSR is talking coverage with clients, they, and your agency, are in violation of the insurance code.

You are absolutely right> recemtly we were looking for a new CSr and I was surprised by the number of CSR resumes we were getting that did not have a license. They all worked at other agencies and did all the work.

This is illegal in my state. (Florida)

It is also illegal in my state (Texas) unlicensed CSR's cannot discuss coverages at all. Not even a deductible.