Insurance carriers are required to make decisions regarding which endorsements to add, which ones to remove and how best to structure the coverage to protect both the insured and the insurance carrier. It’s called underwriting. Sadly, neither side, the agent or the underwriter, fully understand what constitutes “underwriting.” Too many underwriters believe a system-generated endorsement is a required endorsement that is not able to be removed. Likewise, many agents believe the carrier should remove any endorsement the agency requests. Neither extreme is true, there is a middle ground called underwriting.
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