The description is written once
The services narrative goes out the way underwriters expect to read it, instead of being re-written per market.
PL · Michigan
Professional liability for consultants, agents, real estate, healthcare, and IT in Michigan.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Professional liability, usually called errors and omissions, answers for the financial harm a client says it suffered because of the professional service itself. It is almost always claims-made, so the retroactive date has to be kept at every renewal. Cennairus places it for consultants, agents, real estate, healthcare and IT: send the profession, the revenue and the retro date.
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The profession, the revenue and the retro date. That is enough to start.
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The services narrative goes out the way underwriters expect to read it, instead of being re-written per market.
The retroactive date and prior acts are carried across as part of the submission, not left to the next declarations page.
Your client, your renewal, your relationship.
Settled monthly.
A scope of services, an expiring policy, a prior application or a completed application describes the work well enough to route the account.
Services, revenue by service line, years in the profession and prior claims come out of the documents in that order.
A licensed broker takes it to the markets that write that discipline and comes back with a quote, an underwriting review, or a decline.
Who buys it: consultants and advisors — management, financial, it; insurance agents and financial professionals; real estate agents, brokers and property managers; healthcare and allied medical offices; architects, engineers and design professionals; notaries, title and closing professionals.
Yes. Michigan is one of the states we work. Send the account and it is measured against every market with appetite for it in Michigan.
Almost always claims-made: it responds to complaints made and reported while the policy is in force, for work done on or after the retroactive date.
It is the earliest date of work the policy will answer for.
Consultants, IT and technology firms, real estate and property management, accounting, healthcare and allied practices, design professionals, staffing, title and closing.
Related, not identical.
Often, yes.
Not by default.
You keep your commission on business we place for you, reconciled and settled monthly.
What the client is paid to do, what they bill for it, and the retro date on the policy they already have.