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| Huntington | | The quickest and easiest way to | | Commercial Lines: This term is used |
| Saginaw | | shop for new insurance is by | | to refer to insurance for businesses, |
| Grand Junction | | comparing rates at InsWebs online | | professionals, and commercial |
| Roanoke | | marketplace. If you do it the | | establishments. |
| Mesa | | old-fashioned way (by calling or | | |
| Lexington | | visiting multiple agents or insurance | | Approved: The condition which exists |
| Rapid City | | companies) it could take up a huge | | when the person or object to be |
| Downey | | chunk of your time, which no one | | insured meets the underwriting |
| Atlanta | | wants or needs. By completing | | standards of the insurer. |
| Cherry Hill | | InsWebs online application, you will | | |
| Asheville | | have rates to compare to your old | | Paid-In Surplus: Surplus paid in by |
| Trenton | | ones within minutes! | | stockholders, as contrasted with |
| Clearwater | | | | surplus earned through the |
| Hemet | | Make sure you have a new policy in | | operations of a business. |
| Fresno | | place before you cancel your old one | | |
| Newport News | | to avoid a lapse in coverage. This will | | License: A certification of authority for |
| Bloomington | | also prevent having to figure out the | | an agent or insurer to operate, given |
| Duluth | | amount of any unused premium that is | | by the appropriate jurisdiction. |
| Winter Haven | | due to you from your old insurance | | |
| Franklin | | company, or having to spar with your | | Agency Contract (or Agreement): The |
| Greeley | | agent about exactly when your policy | | document which establishes the legal |
| Troy | | was cancelled and how much they | | relationship between an agent and an |
| Warwick | | owe you. | | insurer. |
