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Exempt Commercial Insured/Industrial Insured Exemption

What is an Exempt Commercial Insured/Industrial Insured Exemption?


An insured who procures the insurance of any risk or risks by use of the services of a full-time employee acting as an insurance manager or buyer or the services of a regularly and continuously retained qualified insurance consultant. Generally, this means that the Exempt Commercial Insured is exempt from certain regulatory requirements. *In some states the industrial insured was replaced by the ECP and the requirements may be different. Some states have both.


Understanding Exempt Commercial Insured/Industrial Insured Exemption


An admitted insurance carrier is backed by a specific state. An admitted carrier can be admitted in one state but not another. To be an admitted carrier, an insurance company must comply with all of the regulations set by the state that has admitted them.

Working with admitted carriers provides added benefits to consumers. When purchasing policies from admitted carriers, consumers often experience the omission of certain fees and taxes. Consumers also have the right to appeal to the state if policies have been handled improperly. This sets admitted carriers apart from non-admitted insurance carriers.

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