Lying to the Carrier or Your Clients?

Recently reviewed a body shop acct. and pointed out to the owner that his agent had a good reason for not putting all his lines with the same carrier. The agent had rated the garage exposure with selective at 26K payroll and wrote the comp with another carrier... his actual payroll is closer to 300K. I explained that we do not operate like that and that an audit from selective would result in a quadruple rate increase. I suggested that he ask his agent about the classification and potential audit. The agent's answer....don't you worry about that.

Not that I'm shocked to see someone blatant

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