We do have a form we have typed up that we have every customer sign. On the form it basically goes through the endorsements, along with other things, such as trampolines diving boards etc. Also some sales opportunities, such as life and Flood insurance. I'm not going to tell someone to hit the road because they don't want or need a specific coverage after I have thoroughly explained it to them. I have them sign off saying I offered the coverage and they declined it. I do not always use a generic form. For example, if a customer, does not want rc on contents, I am more than happy to sell that to them (after all its their policy, they can have it anyway they want it). However, if they want it that way, I will type up an additional form that will say something like "My agent recommends I add rc on contents and I am rejecting this coverage. I fully understand that I WILL have high out of pocket expenses in the event of a claim and I knowingly and willingly accept this risk". I see nothing at all wrong with that. An agent friend of mine, has been sued for a similar situation, but he was able to provide these documents that he wrote up and he was in the clear because of it. My father has seen several of these situations being in the position he once was in, and having the customers sign off on these things does work. Don't lose a sale because they don't want every endorsement. Not everyone has the same needs/wants.
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