Agency Management

An insurer recently sent its agency force a “Good News!” bulletin advising that it was no longer necessary to send it copies of most certificates of insurance. The bulletin also…

We have published a white paper and a number of articles that address many of the problems faced by agents when dealing with certificates. Formerly only available to Big “I”…

It is not uncommon for a homeowner to serve as his or her own general contractor when building a new home. When doing so, there is an exposure to claims…

An insured has 15 rental properties, none more than 4 units. An insurer covers them under 15 dwelling policies and has endorsed his homeowners policy to extend liability coverage to…

In 2010, ISO filed its first major revision to its homeowners program in a decade. In this article, Ted Kinney reviews the 27 major changes to HO forms and endorsements,…

In most major insurance filings there are policy changes that broaden coverage, some that restrict coverage, and some that claim to make “no change” in coverage. In this article, we’ll…

Independent agencies are not like many other businesses. They have unique cash management opportunities. A bank that recognizes this difference will offer a variety of specialized products, competitively priced, to help agents…

ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…

Current working partners have to find a way and method of buying out a deceased or permanently disabled member. A well prepared Buy-Sell agreement prepares for this possibility. Once again,…

A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with…