Binding Authority – As a rule, agents have the authority to bind any risk for a period of
thirty (30) days. Exceptions to this rule are:
1. Any specific exceptions outlined in these guidelines;
2. This authority does not apply to any agent who has been advised in writing by
the company that his or her binding authority has been suspended.
3. A properly completed application must be submitted within 10 days. Applications
submitted after 10 days should not be bound unless a properly submitted binder
has been received within ten (10) days of the effective date.