Hard Market Lesson: E&S Broker AdviceThere are ways retail agents can make the application process easier for themselves, surplus lines brokers say.

Ceil Norton, Fresno, Calif., branch manager for Farmington Hills, Mich.-based Burns & Wilcox, said agents continue to make the mistake of marketing their risks instead of pursuing a relationship with a few wholesale brokers.

"I bump into more duplicates than ever," she said. "It is very bad."

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