Second-Hand Smoke: Next Black Lung?

The best thing about underwriting is that there is always a newrisk to consider and analyze. The worst thing about underwriting isthat there are always new loss sources that cause your loss ratioto elevate when the plan for it is to decline.

One of the latest new loss sources has the potential to assaultboth your general liability and workers' compensation results. Theexposure makes every day a new offense, causing the coveragetriggers to fire endless occurrence dates.

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