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... harm than good. Your goal is to focus on the client. 10. If you (or one of your producers) are working on a type of risk for the first time, get help from your carrier or from an outside source. Many carriers have supplemental applications designed for the type of risk you're trying to write, and/or a special program for the risk. When it's something unusual, call your underwriters and discuss it with them. They might even pre-inspect or engineer the risk and advise you about what ... never write a Commercial account without inspecting the risk. This applies to both new business and renewals. If the account is too small to inspect, 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 ... 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. ...

...source. Many carriers have supplemental applications designed for the type...