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... automated, you need to look into this critical area and address the need in your planning. It may be crucial to your survival. Suggested categories should include, but not be limited to, the following: Fire, Allied, and Marine Crime, Fidelity, Surety, and Glass General Liability Commercial Package/Businessowners Commercial Auto Workers Compensation Other Commercial Lines Personal Auto Homeowners Other Personal Lines Item No. 3: You need to provide your overall agency loss ratio. A good way of doing this is to break it down between ... For example, Personal Auto insurance constituted about 38.0% of the total premium written in the United States in 1992, and for at least the 12 previous years, it produced no underwriting profit. The underwriting loss from Personal Auto over the last 12 years was in excess of $52 billion. (Underwriting loss in 1992 alone exceeded $2.6 billion.) Obviously, if you have a Personal Auto mix of business higher than about 38% of the total written, be prepared to explain in detail and demonstrate the profitability of ... . Item No. 18: Do you consider the agency to be particularly competent in a special field? This question is designed to highlight special experience, talent, and competence, to elicit special agency expertise. Some types of risks may be high-liability exposures and thus surplus lines risks. The property may be a very low exposure and thus very desirable to a preferred-risk company. With sufficient volume in a specialty, there may be a volume of other desirable business that can be accessed. Item No. 19: Does the agency ...