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13 Dec Claims and Unique Underwriting Factors
Chances are, if you looked this up you are already here… or about to be here. Accidents happen, and sometimes frequently and expensively. If your clients own a business you may get claims that are completely out of their control. But knowing what to do when your carrier drops your client because of frequent claims can make the difference between them staying in business and closing up shop. Then good news is that there are options outside the Standard market that are available to you. If you are an agent with clients that are being dropped, cancelled or Non-Renewed and have shopped the market extensively trying to find a place for them, give me a call and we’ll see about customizing a plan to get them insured and back in the Standard market. The key to happy clients is to develop a plan to get them back there, still open for business with you as their agent. They probably need a risk management team with experience and knowledge to help them get their claims record back under control and to help them avoid claims in the future.
Excess and Surplus Lines Carriers do not compete in the Standard market. We exist for any situation the Standard market can’t find a place for, and don’t use Standardized ISO Forms, because these situations require specialized applications. We can usually get a quote started off any application and will let you know what other information you will need to get from your client. If you’re having a difficult time finding a carrier for your clients, give me a call and let’s see what we can do. You definitely wouldn’t send every client our direction, just the ones that you can’t find a home for. The best part is you come with them.