Say you're an independent agent or broker in a community in anyregion of the United States. For years, you've been working withbusinesses of all sizes in your area — helping them obtain thecommercial insurance they need as they grow and expand.

You've known one client, the owner of a manufacturing firm,since he started his business. Over the years, the firm has grownand expanded. In that time, while the owner has worked withsuppliers and distributors in the U. S., he now interacts withfirms in other countries as he builds an international clientele.E-commerce drives much of the business and has opened up globalopportunities.

Although for most of the company's history logistics firms havehandled the company's cargo insurance, you determine it's time toreassess the cargo insurance program and possibly consider speakingwith a marine cargo insurer.

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