Group P&C Insurance: Admitted And Surplus Lines Issues

Law360, New York (April 11, 2017, 3:44 PM EDT) -- For decades, group insurance coverage has been an attractive vehicle for the placement of certain property and casualty insurance products. On the carrier side, loss experience may be more favorable when aggregating similar insureds under a master insurance policy, resulting in cheaper premiums for consumers. On the producer side, the use of group P&C coverage helps achieve product distribution efficiencies and may result in fewer regulatory burdens and paperwork, in addition to the added benefit of marketing an aggregated risk platform to an insurer rather than presenting risks on an individual basis.

When the 1980s rolled around, the lack of affordable...

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