Agency Operations

If a customer declines coverage, how long does their declination stand for?

What is an agency’s responsibility or best practice regarding maintaining an electronic copy of the full policy document in their agency management system?

What are the restrictions an unlicensed employee has when talking with an insured? Is coverage the only thing they cannot discuss?

Must the person signing a certificate of insurance be licensed in all the states where the insured has exposure? Or must the signatory be someone with internal agency authorization?

An agency has several clients that are nonprofit private swimming pool clubs. They are looking to the agency for help to reopen safely, including advice with waivers and standard procedures.

An insured is under scrutiny by media and news outlets for what reporters are alleging is improper employee terminations. If the insured’s agent sees the news, is there any duty on the agent’s part to report the potential claim to the insurer?

A prospect bought a warehouse for $1 million. The replacement cost is $25 million but the owner only wants to protect their investment and has said they wouldn’t replace the building in the event of a total loss.

Should agents let the insured know and track down the premium past due or just let the policy lapse?

If your agency needs to use an interpreter to communicate with a customer, do you know what you need to document about the exchange?

Is there a recommended follow-up policy that preserves workflow? If we have been following up with clients, are we stuck in that precedent forever?