And both companies have professional experience working in a hard market. Crump can project coverage availability, estimate premiums and help independent agents develop an effective marketing strategy. Schinnerer's underwriters can help tailor coverage to the clients' needs. Both companies also advise agents to send submissions in advance of deadlines as underwriters take longer in dealing with submissions in a hard market. Both companies also strongly discourage going to a large number of markets to place business because it lessens credibility.
Loyalty becomes a key factor during a hard market.
We expect our markets to support us during difficult times and to provide coverage and terms that will benefit our clients. Our trademark is consistency.