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https://completemarkets.com/Article/article-post/1804/CHARACTERISTICS-OF-STRONG-AGENCY-CARRIER-RELATIONSHIPS/
...he 1990s will require agents and carriers to share 15 characteristics. Followi...pdated continually and refined with carriers' programs, products, and procedur...

https://completemarkets.com/Article/article-post/2569/Carrier-Websites-From-Company-Centered-to-Agent-Centered/
...red
Independent Agency System carriers that rank high on the Gomez insuranc...because it wouldn’t do much for the carriers’ Web site rankings?

https://completemarkets.com/Article/article-post/578/Partnering-With-Carriers/
Partnering With Carriers
Trust between you and your carriers must be a two-way street. Agencies have given carriers as many reasons to distrust their commitments as carriers have given agents. Time and again, b... and commitments with its principal carriers.

https://completemarkets.com/Article/article-post/236/E-O-Proofing-Your-Agency-25-Tips-For-Little-Or-No-Cost/
...m, especially with Surplus Lines carriers, because provisions might vary betwe...w up on any open claims. This tells carriers that you monitor them and provide...

https://completemarkets.com/Article/article-post/1800/Successful-Carrier-Relationship-Management/
... underwriting flexibility of its carriers. As leading agencies evolve, carrier...40% < 40% Volume with 3 largest carriers P > 90% > 70% Volume with ...

https://completemarkets.com/Article/article-post/2214/Determining-The-Financial-Health-Of-A-Health-Carrier/
...nancial viability of various P/C carriers using an assigned rating. Brokers us...ngle large contract has doomed some carriers. Reinsurance contr...

https://completemarkets.com/Article/article-post/2215/CHOOSING-A-HEALTH-CARRIER-ELIGIBILITY-BENEFITS-AND-UTILIZATION/
...nstitution or trade school. Some carriers require that a child under 19 who is...orts can be used to compare several carriers' utilization performances on an a...

https://completemarkets.com/Article/article-post/1791/Strengthening-Agency-Company-Relationships/
...s you provide. In our work with carriers and agents alike, we are finding to...titive information - How are other carriers pricing capacity, and risk select...

https://completemarkets.com/Article/article-post/2127/TELLING-AN-E-O-CARRIER-I-WANT-YOU-TO-PAY/
Telling An E&O Carrier, 'I Want You To Pay'
TELLING AN E&O CARRIER, 'I WANT YOU TO PAY' by Curtis Pearsall From time to time, insurers' E&O claim departments receive calls that go something like this: 'This is Brad from the XYZ Agency. One of my Commercial clients has just sustained a fire loss, and the carrier is refusing to pay. I placed the business through a general agent who failed to renew the policy, but the company won't accept responsibility. I did nothing wrong, but in my community, word that this claim was denied will cause me some negative PR. I would like you as my E&O carrier to step in, pay the client's loss, and then pursue the general agent and carrier.' The agent is concerned for his customer, and feels responsible because he placed the business with the general agent. And the agent did no wrong. In this situation, would you expect the E&O carrier to pay? Imagine the same predicament with an Auto Liability policy-would you expect the Auto carrier to pay even if you weren't responsible for the accident? Look at this from the E&O carrier's standpoint. Has there been an actual claim made against the agency? The client may agree that the agency isn't responsible and is making claim against the general agent and carrier. The E&O coverage is a liability-defense policy, and payment for a loss is predicated on agency legal liability. It's the client that has the claim. Any voluntary payment on the part of the agent can be construed as an admission of liability. What can be done? Make a prompt report to your E&O carrier. It can assist in recommendations for a letter or contact with the general agent or carrier for reconsideration of the denial. Make no admission of liability or payment. These actions won't just impair your E&O coverage but will cause unnecessary financial loss to the agency. Remember that you aren't the insurance company, and if the reason for lack of coverage is carrier negligence, that is where the responsibility rests. Keep your client advised, as it may become necessary for him or her to pursue the matter directly with the carrier. Good communication and cooperation with your E&O insurer will help you obtain a satisfactory resolution. Unfortunately, claims do happen, whether you did anything wrong or not. Here are some helpful tips should a claim be made against you: Don't alter records involving the claim or incident. Don't allow the inspection, copying, or removal of your records without consulting with the insurer. Don't provide recorded or written statements concerning an error or claim involving your agency. Don't discuss the matter with anyone other than your own personal counsel or a representative of the insurer. Don't make advance payments without consulting the insurer. Don't make any admissions of liability; refer any inquiries to the insurer. Refer to your policy for detailed information as to insuring agreements, conditions, and exclusions. Stay calm. Believe in the E&O experience of your carrier.   This article is reprinted with permission from the Utica National Insurance Co.'s E&O Bulletin. Curtis Pearsall, CPCU, AU, ARM, AIAF is vice president, E&O, Utica National Insurance Group.

https://completemarkets.com/Article/article-post/2104/ARE-YOU-BEING-HONEST-WITH-YOUR-CARRIERS/
Are You Being Honest With Your Carriers?
ARE YOU BEING HONEST WITH YOUR CARRIERS? by Curtis Pearsall Virtually ev... sure you're being honest with your carriers. Here's an example of what can h...