First impressions count. Make sure the agent you select presents your company honestly and fairly to underwriters. A poorly presented submission will adversely affect your opportunity to receive the best proposal. Require the agent to complete a thorough evaluation of your company well in advance of any decision dates. Your insurance agent is your ambassador —make sure it is an agent that will represent your company well. Some business owners also “shop” their insurance every year. This can be very detrimental. Many underwriters see submissions from the same companies every year, and easily determine the “shoppers’. These applications are moved to the bottom of the stack because the underwriters are looking for long-term relationships.