Given all this help, there really is no reason for the Main Street producer to hesitate to pursue special events business, whether the producer is licensed with a carrier offering special events coverage or not. Most insurers in this marketplace either deal directly with local producers or offer their coverage through brokers who bring their own special events expertise to the table. Usually the Main Street agent can submit directly to the carrier, but we're always manuscripting some coverages for special events. Some Main Street agents can do the job on their own. Some don't know which carrier to go to, so they need help.
Brokers do know which carriers to go to.
But that's why we're here. The author Juan Hovey is a Los Angeles area-based freelance writer. He has written about the insurance industry for more than eight years. Most insurers in this marketplace either deal directly with local producers or offer their coverage through brokers who bring their own special events expertise to the table.