The future of underwriting will be built on closer relationships between carriers and insurance agents, with carriers working hand-in-hand with agencies to maximize profits from books of business.

That was the word from Chad Combs, vice president of personal lines underwriting for Ohio Mutual Insurance Group. He was a keynote speaker at this year’s Insurance Innovators USA conference in Nashville.

“I believe underwriting today is fundamentally broken. I don’t think that the expertise th…

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