Property and liability insurance.

Please help.

Question 9 -a) and b).

20 9. Application Question: Earnest Money is an independent property insurance agent. His agency represents two different insurance companies, the Rock hard insurance company and the smooth flow insurance company. Rock hard is a very highly rated insurance company that provides excellent claims adjustment service. It also provides cruises and other expensive vacations to agents meeting or exceeding $ 1 million in premium volume. Smooth flow is a financially sound but less highly rated company than Rock hard. It is known for its loss adjustments that tend to be on the low side and on the slow side" .Because Smoothflows's commissions are a percentage of its low premiums, Earnest earns less on business placed with smooth flow. Therefore, as a general rule, when clients do not appear interested in the price of coverage, Ernest places their insurance with Rock hard. By contrast, when Earnest feels he is in a competitive situation, he provides quotations from Smooth flow. Questions: a) Does agent money's rule for placing insurance with the two carriers that he represents appear to be ethical? 10 b) Looking at the case, what do you feel about the value of insurance Agent? 10 Best of Luck