In an Inland Marine policy, which of the following is NOT considered an advantage to filed lines?

In an Inland Marine policy, filed lines refer to those forms and endorsements that are standardized and approved by regulatory authorities. One of the notable advantages of filed lines includes standardized forms, which make it easier for agents and brokers to understand and use the policies, as well as to provide coverage that is consistent across different insurers. Including these forms in a Commercial Package policy can streamline underwriting and policy management, also providing a convenience advantage.

Simplified rating with discounts is another benefit of filed lines, as it allows insurers to apply a more straightforward rating process with clear discount structures that can be easily communicated to customers.

On the other hand, Electronic Data Processing and Contractors Equipment floaters are generally considered non-filed or non-standardized products. These items often require more tailored coverage and are not typically part of the standardized filed lines that offer the listed advantages. Therefore, they do not provide the same benefits as the other options described in relation to filed lines in an Inland Marine policy.