The library · 7 guides
The standards
Each Client First practice standard, what it requires, and why it exists.
More in the standards
- Standard: replacement cost, not market valueInsuring dwellings to rebuild cost, explaining the difference to the client in writing, and why the underinsured home is the industry's quietest failure.Aug 2026 · 5 min read
- Standard: UM/UIM matched to liabilityOffering uninsured and underinsured motorist coverage at limits matching liability, and why the mismatch is one of the most common gaps in personal auto.Aug 2026 · 5 min read
- Standard: written declination lettersThe single most protective document an agency can produce, why it is so rarely produced, and how to make it a by-product of the sale rather than extra work.Aug 2026 · 4 min read