I never indicated that the agent was at fault for not carrying enough coverage. Many agents offer higher coverage to our insureds and more times than note, they reject it due to cost or they say that they will take their chances. This is just a good example to show our clients why higher limits of coverage should be considered/purchased. You either pay up front for the insurance premiums or you can pay afterwords when you have to take out a loan to pay for the loss.
My assumption would be they describe her as fatally injured because the incident didn’t cause her immediate death. I believe it was about nine months later that she passed away as a result. To use “killed” would make it sound like she died immediately in the pool. Just my $.02.
What is the role of the agent? Yes, that is right. The agent is only responsible for selling a piece of paper. The agent then collects his or her commission, and waits for the phone to ring. After the loss the agent goes to see the insured and tries to look important, because we want that next renewal, right? Oh, the agent may have to issue a few certificates of insurance when correct – oh, and doesn’t care if they do that correctly or not, most of the time. Just put on the cert whatever is requested, right? The agent does not attend and should not attend Loss Control visits. The agent does not practice or get involved in risk management. The agent does not take the Loss Control suggestions or recommendations and counsel the insured on the importance of maintaining the insured’s property. Kind of reminds me of the agent who was writing a heavy property risk with our Company. Our LC advised that the sprinkler system needed maintenance and significant updating. The insured ignored our suggestions and we asked the agent to get involved. The agent told us he was not in the business to sell sprinkler systems! We non-renewed, and 2 years later that $10 million building was lighting up the night sky on the 10:00 news. Indiana paid for that one, and of course they didn’t even do Loss Control on the building. And the agent still collected all of his commission.
Sounds like you got a bad agent! You have a cynical view of an insurance agent because of your current experience. We don’t just sell paper then wait for the phone to ring for the next client. Heck if we all did that we would starve or maybe your guy is just fat and happy.
Other point that you have a bad agent; LC makes their recommendations, then calls our agency for assistance, you bet your bottom dollar we are out to clients with the recommendation. We don’t sell sprinklers, that’s someone else’s job, we give the client the piece of mind that a sprinkler system could prevent a total fire loss to their business in addition to an insurance premium savings year after year on their policy. If I had an agent with the attitude “I don’t sell sprinkler systems”, I’d tell him you’d better learn, cause you ain’t selling insurance for our agency!
You must presume that an agent can twist an insured to do what ever the underwriter or LC wants. There are some good and bad agents. But even the best agent cannot always get an insured to follow all of a carriers LC recommendations. As an agent we do the best we can. It’s like leading a horse to water, but you can’t make them drink.
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
I never indicated that the agent was at fault for not carrying enough coverage. Many agents offer higher coverage to our insureds and more times than note, they reject it due to cost or they say that they will take their chances. This is just a good example to show our clients why higher limits of coverage should be considered/purchased. You either pay up front for the insurance premiums or you can pay afterwords when you have to take out a loan to pay for the loss.
My assumption would be they describe her as fatally injured because the incident didn’t cause her immediate death. I believe it was about nine months later that she passed away as a result. To use “killed” would make it sound like she died immediately in the pool. Just my $.02.
What is the role of the agent? Yes, that is right. The agent is only responsible for selling a piece of paper. The agent then collects his or her commission, and waits for the phone to ring. After the loss the agent goes to see the insured and tries to look important, because we want that next renewal, right? Oh, the agent may have to issue a few certificates of insurance when correct – oh, and doesn’t care if they do that correctly or not, most of the time. Just put on the cert whatever is requested, right? The agent does not attend and should not attend Loss Control visits. The agent does not practice or get involved in risk management. The agent does not take the Loss Control suggestions or recommendations and counsel the insured on the importance of maintaining the insured’s property. Kind of reminds me of the agent who was writing a heavy property risk with our Company. Our LC advised that the sprinkler system needed maintenance and significant updating. The insured ignored our suggestions and we asked the agent to get involved. The agent told us he was not in the business to sell sprinkler systems! We non-renewed, and 2 years later that $10 million building was lighting up the night sky on the 10:00 news. Indiana paid for that one, and of course they didn’t even do Loss Control on the building. And the agent still collected all of his commission.
Sounds like you got a bad agent! You have a cynical view of an insurance agent because of your current experience. We don’t just sell paper then wait for the phone to ring for the next client. Heck if we all did that we would starve or maybe your guy is just fat and happy.
Other point that you have a bad agent; LC makes their recommendations, then calls our agency for assistance, you bet your bottom dollar we are out to clients with the recommendation. We don’t sell sprinklers, that’s someone else’s job, we give the client the piece of mind that a sprinkler system could prevent a total fire loss to their business in addition to an insurance premium savings year after year on their policy. If I had an agent with the attitude “I don’t sell sprinkler systems”, I’d tell him you’d better learn, cause you ain’t selling insurance for our agency!
You must presume that an agent can twist an insured to do what ever the underwriter or LC wants. There are some good and bad agents. But even the best agent cannot always get an insured to follow all of a carriers LC recommendations. As an agent we do the best we can. It’s like leading a horse to water, but you can’t make them drink.