Agents Want Open-Minded Underwriters On Their Risks
The only function in an insurance company that every insured is guaranteed to encounter is underwriting. Not all insurers use agents. Most insureds will not have a claim. Relatively few insureds will be asked for an audit. But all insureds must go through the underwriting process.
In universities we teach that the job of the underwriter, simply stated, is to build and maintain a profitable book of business. In that process, underwriters select and classify insureds. Most non-insurance people are surprised to find that there are rules, policies and guidelines that make some applicants ineligible for certain types of insurance.
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