AS AN insurance agent for more than 25 years, I have always understood that one deals with the excess and surplus-lines market at one’s own risk. For years we have struggled with submissions in which we have applied for specific coverage, only to receive quotes that bear little resemblance to what we asked for. These quotes arrive with a disclaimer that it is the insurance agency’s responsibility to determine the difference between the coverage requested and the coverage actually supplied.

Then, in the hard market, E&S carriers started adding restrictive endorsements to their policies. The problem this creates for us is three-fold:

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