Second-Hand Smoke: Next Black Lung?
The best thing about underwriting is that there is always a new risk to consider and analyze. The worst thing about underwriting is that there are always new loss sources that cause your loss ratio to elevate when the plan for it is to decline.
One of the latest new loss sources has the potential to assault both your general liability and workers' compensation results. The exposure makes every day a new offense, causing the coverage triggers to fire endless occurrence dates.
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