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| Sunnyvale | | Make sure you have a new policy in | | American Risk and Insurance |
| Allentown | | place before you cancel your old one | | Association: An association of |
| Syracuse | | to avoid a lapse in coverage. This will | | insurance educators and others |
| Milwaukee | | also prevent having to figure out the | | interested in insurance study and |
| Bloomington | | amount of any unused premium that is | | research. |
| Gainesville | | due to you from your old insurance | | |
| Toledo | | company, or having to spar with your | | Net Retention: The amount of |
| Columbus | | agent about exactly when your policy | | insurance that a ceding company |
| Anderson | | was cancelled and how much they | | keeps for its own account and does |
| Macon | | owe you. | | not reinsure. |