The latest Question Of Ethics we posed to readers of National Underwriter involved an insured calling to report a loss that appears to be questionable. What are the ethical responsibilities of an agent for this type of claim? Do the responsibilities differ if the producer is a broker? There were no differences noted for agents and brokers if the questionability of the claim related to coverage. However, there were differing opinions as to how to handle a claim if it appears the claim is questionable because of fraud. Read on and weigh in.

NU Ethics Columnist Peter R. Kensicki–professor of insurance at Eastern Kentucky University in Richmond, Ky., as well as a member of the Ethics Committee of the CPCU Society in Malvern, Pa.–found that in general, differences in responses on an agent’s ethical responsibilities can be summarized as follows:

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