Can anyone provide an example of a company or situation where more than one class is rated on a BOP? Also, what about locations? Should all locations have the same class or can they be different. Someone mentioned Surplus, what would differentiate a BOP from a Surplus? We do not write BOP (or insura...

I am guessing that by P&C they mean Personal Lines Auto/Home/Health/Life. A lot of agents write only these coverages and never write commercial. In a small agency, BOP can represent a big unknown if you never did it or had someone to help you get started. (And most training materials in my exper...

What does invoking "Big Goverment" have to do with this? The state would not be involved in your day to day, nor the carriers. The state is updated programmatically in realtime as the carrier systems issue policies and changes. This involves no human intervention other than to set it up. T...

Exactly, As you said, a cert issued by an agent is worth no more than the paper its printed on. Which is why having the carrier's system automatically, in realtime, update a state system is better. The state can prescribe fines and actions for carriers that do not update correctly. Thereby, looking ...

Laugh all you want. Truth is, having the insurance carriers policy management system automatically update the state database is in fact easily doable and is currently being done is some states. The carrier does not issue the cert, the state provides it via the web. 99% of agents are trustworthy, but...

Actually, The best thing is to KILL silly sites like this. The state should require insurance companies to send a simple XML cert whenever a policy for ANY line is issued, changed, or canceled. The state would also provide a cert lookup service. This allows the people to check if doctors, lawyers, c...

Well, If you look at the demonstration certificate, they seem to be showing a lot of business with Elbonia: Elbonia governmental administration building Elbonian Consulate building Aramu Muala, President of Elbonia Elbonia Electric Co Central Bank of Elbonia If you aren't familiar with Elbonia, they...