How Much Do Carriers Scrutinize Your E&O when Requesting Appointments?

indienoise

Guru
100+ Post Club
All I'm waiting on is my agency license from DOI, and it's go time. To keep expenses low for startup, I'm considering doing the E&O for less for the first year and possibly moving to another carrier after that year is up. I'll be sole proprietor, only producer in the agency for the time being. I'm only going to be getting direct appointments with nonstandard companies to start and using an MGA for preferred and commercial - but if I end up being able to get direct appointments with any standard companies before that year is up, would my E&O carrier potentially be a deciding factor for them?
 
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