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... is to set some guidelines and make arrangements for a personal visit to the client every three years, take photos at that time, and determine what, if anything, has changed. Look at all new business and interview the insured. Inspect large Homeowners and Personal Lines accounts annually. If not, send a renewal questionnaire that asks about any primary or incidental business activity, works of art, antiques and other collectibles, hobbies, activities, or anything that needs scheduled coverage. Include a return postage-paid envelope with the questionnaire, and require the insured to sign and date it. Also, request photos of any unusual or high-value items or activities that might pose a coverage problem or require special handling. That way, you can determine whether you need to make an appointment with the client at ... that proper procedures are followed. 21. Have a complete monitoring system for certificates of insurance. There's more to be concerned about than cancellations. Certificates figure in a number of situations that create a need to communicate with a third party or the company, especially when the certificate also requires adding an additional insured endorsement. There are many types of additional insured endorsements, of course. Most carriers are conservative about the process: They want to know as many facts about the relationship between the insured and the additional insured as possible. Recent form changes have introduced many new, specific-use endorsements. The additional insured and certificate requests often come at the same time and generally need to be done immediately. Contact the carrier in advance on any certificate/additional insured request that isn't a standard ACORD request. ...