https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/793/Understanding-And-Using-The-Services-Of-Program-Administrators/
... loss-control representatives who have the expertise to specialize in the underwritten class. My firm underwrites the outdoor recreation industry, including such business as resorts, dude ranches, outfitters and guides, trap and skeet clubs, hunting and fishing lodges, hunting leases, snowmobile tours, RV parks, and campgrounds. The program offers a full compliment of package policy forms: Auto, Workers Compensation, Marine, and Umbrella Liability. The program is admitted in the United States; we have a separate division that underwrites Canada. Our insurer is Gulf ... Group, an A + 9 rated company and part of the Travelers Property & Casualty Cos. Our insurance provider for Workers Compensation is the Legion Insurance Co., which is A8 rated. We contract with independent insurance agents throughout the country to represent our products and commit to the marketing and sale of the program. We appoint agents based on their reputation within the insurance community and their proximity to the type of business being produced. Since many specialty programs have a limited prospect base, it's important that appointed agents be spread out ... so that they aren't competing with each other for the same program. Loss-control and safety manuals address certain aspects of the insured's guest activities: equine, marine, shooting sports, and so on. This is provided by a team of seven loss-control specialists, all retired USMC officers. More insurance companies are turning to PAs to underwrite and market their specialty programs. Insurance companies are focusing on specialty classes of business that they believe will give them an adequate underwriting return, since they can better control their expenses and apply actuary data ( ...