We apply these guidelines when sending submissions to our carriers. By using techniques such as these, we are able to maintain our competitive edge and provide our producers with the service they have come to expect from BSR. Quality submissions adhering to these guidelines rise to the top of the stack!

1. While this may block the marketplace to competition, underwriters and brokers soon figure out which producers are using them with no intention of placing an order. This can also breed suspicion that the account is possibly impaired or that there is little loyalty on the part of the retailer. Further, multiple submissions to the same underwriter are never good. Select your brokers based on their expertise, then stick with them!
2. Applications that are incomplete mean that we will have to request the missing information. Check out our web site for specialty applications or talk with one of us to see if a unique application is required. When underwriters have many opportunities from which to choose, they will take the path of least resistance, which is usually the submission that is most complete.
3. An overview of what you are attempting to place makes our job easier and improves your chances of a speedy reply. As a professional, you always want to clearly represent your client's needs.
4. Loss histories need to be valued within the last 45 days, if at all possible. A $25,000 reserve six months ago could have a $100,000 value today.
5. Applications that have been faxed multiple times are often difficult or impossible to read. A helpful perspective would be to ask yourself, "How would my application look as evidence in a trial?" Many risks never get a fair shot because the material can not be easily read.
6. Include the terms and conditions needed in your cover memo. This gives the underwriter a better understanding of your coverage needs.
7. This bears repeating: Let us know the date by which you will need your quotation. This helps us ensure that you receive your quote in sufficient time to meet your deadlines with your client.