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i can't get several direct contracts myself without a bob. there are a lot of clusters who abuse their contractual power and try to force you to write business with one or two carriers. (and impose production requirements). so moving around willy nilly is not an option. it sounds to me like this has never happened to you and i hope it doesn't. i totally get what you are saying. did you buy a book or have direct contracts yourself?
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maybe i am missing something very important. if you are signed up with a cluster and a carrier pulls out what can you do with the business that you have already written? that may be my disconnect. do you still get renewals even if you lose your code for non production? or do you have to just move what you can to another carrier?
That depends on the carrier & the situation. I've only seen (2) agents lose codes in my group (SIAA) and it's because they blatantly broke UW rules & had terrible loss ratios. I initially questioned the production requirements, but I can tell you from my experience (and my group) that you're not going to lose a carrier so long as you're quoting them.
Again...if you write business & more importantly show QUOTE VOLUME with quality prospects, you will be fine. If the carrier isn't winning business it's because of them...not you.
I'm not sure what you mean about clusters abusing power, because (again...with my group & SIAA) it's your agency & they NEVER tell us where to put the business. Stop being a vag...commit to a group, write business and stop worrying about the negatives.