Good addition, Steve.....in my beginnings the carrier was about 75% commercial (all ISO) and them's a lot of forms. So, yeah, we didn't really memorize them all but came pretty darn close. But the main point was, when something strange came up, you knew where to look and you knew about potential other forms that might exist to address coverage (even when the agent didn't).
It was funny how often a loss would come up and the agent would report it "for record only", and only thru our own inquiry find coverage for some losses. Then again, this company I started my career with was a stickler with the agencies for writing complete coverages even though some of the younger producers didn't initially realize what a good job they were really doing for their customers.
For a young starter-outer, looking for a staff job, check out The Cincinnati Insurance Companies. They will train you well, treat you more than well, and pay you....well....I don't know, it's been along time ago. I doubt many on this site are familiar with The Cincinnati Cos, as they rarely used IA's, relying on staff to travel & gang tackle losses. For many years they led the Consumer Reports surveys with the #1 claims service for Indep Agency carriers in the nation, but I have not kept track of that now since about 2000. Any old CinFin guys from '92 to '98 reading out here?