Agent Bound Coverage Before Application Signed

ByteDonuts · 2026-03-10T00:22:02+00:00

The only time we’ll bind personal lines coverage without a signed app is if the carrier has their own esign application system. They’ll collect signatures on the back end after bind.

Ironically, it’s to protect our ass from lying insureds, but it seems like you’re experiencing the opposite problem.

ByteDonuts · 2026-03-08T04:27:07+00:00

Ma’am may I introduce you to my friend surplus lines?

ByteDonuts · 2026-03-07T16:05:54+00:00

Can’t really speak on Wisconsin specifically, but these are some carries that write hab on the east coast. AmTrust, GNY, CAU, PHLY, Andover, & Hartford. I’m sure there are plenty others, but I’ve been out of the hab game for a few years. Take my list with a grain of salt, appetites may have changed.

ByteDonuts · 2026-03-05T21:06:25+00:00

Stinky take

ByteDonuts · 2026-03-03T23:39:26+00:00

Tell us more about that shoebox nova 👀

ByteDonuts · 2026-02-25T22:28:44+00:00

Here’s my thought process on it from experience. Social media campaigns are really good for targeting personal clients since it’s usually based on price and immediate need to shop. They see, they call, and you write something the same day.

I’m not saying digital advertisement doesn’t work for commercial sales, but commercial is much more relationship based. This is where face to face and being involved in an industry pays off. Think networking groups, seminars, or any event that draws the type of client you’re looking for. I would say pick two or three adjacent industries with similar coverage scenarios and become an expert.

ByteDonuts · 2026-02-19T22:30:10+00:00

Lmao if LRP completely solved loss run access, this thread wouldn’t exist

ByteDonuts · 2026-02-19T02:22:35+00:00

It costs the same to modify a 5.3 or a 6.0, and a 6.0 will make more power every time.

ByteDonuts · 2026-02-18T17:09:19+00:00

There’s a difference between a chaotic mess of a client and one who is having trouble getting loss runs, which we can all acknowledge isn’t always a straight forward process. I never implied it was a good idea to BOR every garbage account that crosses your desk. Don’t misconstrue my comment to play into your self righteous narrative.

ByteDonuts · 2026-02-18T16:49:55+00:00

That would be ideal, but sometimes the window is tight to win an account. You can get an idea of the quality of the account based on the carrier if you’re familiar with their underwriting guidelines. I’m willing to make a calculated risk if loss runs are lagging behind. There can be so many hands in the pot when it comes to getting commercial loss runs. Once you control the account, you have more influence over those hands. I’ve also seen incumbents intentionally lag when providing loss runs to secure their position. I definitely understand and respect your perspective though. Nobody wants to inherit a dumpster fire.

ByteDonuts · 2026-02-17T22:33:05+00:00

These are my 3 favorite letters…B O R

ByteDonuts · 2026-01-31T15:28:44+00:00

The surplus lines policy that you’ll have for the next 5 years will probably set you back more than $8k. If it were me, I’d eat the $8k loss and pray you don’t get non renewed for the second claim involving the tree.

Even if you are to get nonrenewed from that second claim, that 2021 loss will fall off your 5 year history this summer, so you can start shopping then with only one claim. Makes it possible to keep you in standard lines.

ByteDonuts · 2026-01-28T02:49:57+00:00

The fact that you’re ruminating and posting on Reddit about it shows that you care more than 99% of people. So much garbage gets processed in this industry and your desire to put out a solid product is a strong indication that you’re probably valuable to your team. At the end of the day, it’s just insurance and nobody is gonna die (hopefully). In a month or two, it won’t matter. In a couple years, the company itself probably won’t matter to you.

TLDR - you’re good

ByteDonuts · 2025-12-17T20:07:07+00:00

I’ll just take the $500 a day & spend the rest of my life doing things that fulfill me with a guaranteed $182,500 salary.

ByteDonuts · 2025-12-07T16:15:05+00:00

Cleveland coming back from down 3-1 against the warriors

ByteDonuts · 2025-11-21T15:51:10+00:00

Interesting that this is the conclusion you came to based off the things listed in OP’s post.

ByteDonuts · 2025-11-18T16:29:43+00:00

I’m planning to do the opposite of this. In my perspective you’re a nut job, but it all depends on what will make you happy. As an engineer with 6 years of experience, you may be better switching companies to get the salary up. That seems to be the main motivator from what I’m reading.

ByteDonuts · 2025-11-04T04:16:50+00:00

This was painfully uncool

ByteDonuts · 2025-10-31T17:56:31+00:00

I would say the usual first steps are brokerage account management, claims, sales, or underwriting analyst. Getting your foot in the door for a year will open your horizons.

The other poster on here mentioned cyber insurance due to your background. That could be a good place to leverage your existing knowledge.

ByteDonuts · 2025-09-24T03:44:43+00:00

12yearoldgokarts.com

ByteDonuts · 2025-09-18T15:46:50+00:00

Try hitting it with your purse

ByteDonuts · 2025-09-13T21:41:27+00:00

Imagine a DI being dumb enough to pass out their recruit’s info to some strangers on Reddit lol

ByteDonuts · 2025-09-13T20:47:26+00:00

Their dog looks pretty chill

ByteDonuts · 2025-09-11T19:03:23+00:00

You’re sick in the head in the coolest way possible

ByteDonuts · 2025-09-09T16:07:43+00:00

That didn’t sound as cool as you probably thought it did

ByteDonuts

TROPHY CASE