Quote Originally Posted by Irving View Post
I don't know that insurance companies are as politically involved regarding their coverage as you think.
I have personally seen it.

I sold insurance for a time. I have family members that are involved in commercial insurance sales, SBA loans, SBA management (employed by the federal government) and insurance company management at a very high level.

They all have personal anecdotes about political influences changing coverage. And these people have been in their fields for, at the most recent, 16 years. The other three over 20 years.

I did it for two years and ran away. I'm not an office guy. Trying to sell commercial was difficult. Many carriers won't insure certain businesses so they toss it to E&S.

Excess and Surplus lines. These are the businesses that regular carriers won't insure so it becomes expensive and the scope of coverage may be limited.


To say insurance companies are not politically motivated is nonsense. The donate millions every year to all candidates and obviously want any laws passed to be in their favor.

To question whether coverage is directly influenced by politics is fair, as is the issuance of policies because of the prevailing politics of the management.

I can only offer what I have seen and heard.