Insurance regulators are charged with making personal lines insurance widely available. Nothing has undermined the industrys image more over the years than the battles between regulators and carriers over the availability and affordability of auto and homeowners insurance. The question is, are carriers and their producers ethically required to assist in this effort? What are the ethical responsibilities of insurers and their agents and brokers, if any, with regard to providing insurance to all who approach them for personal lines coverage? Click on to respond.

While you may remain anonymous, please identify your role in the insurance business so we can get a better sense of where you are coming from with your responseagent, adjuster, risk manager, etc.

A column recapping the responses will appear in the May 25 edition of National Underwriter, written by our ethics columnist, Peter R. Kensicki.