What is required for insurance liability coverage to become effective after a refusal?

For insurance liability coverage to become effective after a refusal, there must be written evidence of insurance provided. This requirement ensures that there is formal documentation confirming the agreement and that the coverage is officially recognized. Written evidence serves as a safeguard both for the insurer and the policyholder, as it clearly outlines the coverage terms and conditions, thereby eliminating potential misunderstandings or disputes that could arise later.

In the context of insurance regulations, especially pertaining to surplus lines, having a written policy is crucial as it serves as proof of coverage and signifies that both parties acknowledge and accept the terms. This requirement aligns with the broader principles of insurance law that prioritize clear documentation and communication between insurers and insureds.

The other options, while relevant in different contexts, do not adequately fulfill the legal and formal requirements for binding coverage after a refusal. A verbal agreement may lack enforceability without documentation, additional training for the agent is not a stipulation for policy activation, and simply stating that no further action is needed does not establish the necessary formalities that written evidence provides.