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... : Determine how each of your carriers handles this type of exposure. Get their procedures in writing, and ask them to notify you in writing if they change. Once you know how individual carriers each handle the exposure, you can proceed accordingly; Get in the habit of conveying to the carrier, in writing, instances in which proper notice has not been sent to the various parties involved. In other words, document your file and always leave a trail; If the carrier elects not to notify, ask if you can ... , you would be better off not writing it. If an insured does something you don't know about, or if the building has features not considered, you might fail to advise the insured properly. Take photos of the front, rear, and sides of the property; if possible, take some inside. Diagram the premises and highlight any special processing. Have the insured walk you through and show you what the business does. Ask questions, and ask the carrier how they want to handle anything that seems unusual. If ... do, however, 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 ...