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Website title: First Connect - Grow Your Insurance Agency
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If you’re an independent insurance agent staring at a “declined” file on your desk, you already know the frustration of a hard market. Standard carriers have limits – underwriting guidelines, risk appetites, or past loss histories can leave your clients without coverage. That’s where Excess and Surplus (E&S) insurance comes in.
Think of it as the safety valve...
No insurance agent wakes up expecting a lawsuit. You work hard to understand your clients, place coverage correctly, and act in their best interests. Yet despite your diligence, one misunderstanding, one missed endorsement, or one undocumented conversation can trigger a claim that threatens your agency’s finances and reputation.
Client lawsuits don’t always arise...
Imagine this situation: you own a small commercial building that you lease to a restaurant. One evening, a customer slips on an icy walkway outside the building and suffers an injury. The tenant has their own business insurance, but the lawsuit names you, the property owner, because the incident occurred on your premises. At the same time, a burst pipe damages part of the bui...