Agents are often befuddled when a professional liability carrier refuses to provide an additional insured endorsement or excess limits appear to be too expensive.
EPL has become a common enough coverage that agents are beginning to perceive it as “standardized”. It is anything but!
Industry pundits suggest a gradual, prolonged hard market is on the way. Is underwriting sanity returning? Will the abysmally soft pricing of today yield to more reasonable market conduct?