Procedures

We all know that binders have historically been issued for 30-day terms. Why is that and can a binder be issued for longer terms, perhaps even as long as the…

When proof of insurance is requested, which is most appropriate, the ACORD 27 – Evidence of Property Insurance or the ACORD 75 – Insurance Binder?

CLUE reports, like MVRs, have become a staple of most personal lines underwriters. However, what happens when someone discovers an error on a CLUE report? What are the ramifications for…

Quite a few agencies now practice agency underwriting by establishing minimum limits that they will write for auto, CGL, etc. There are definitely advantages to doing this and, in general,…

Recently, our “Ask an Expert” service received a simple, one-sentence question: “How do you get your submissions noticed by an underwriter?” In this article, we’ll give you some tips from…

Your agency/company contract has been amended as follows: “The Agency shall have no authority on behalf of the Company to provide new coverage or increase existing coverage when the National…

April 14, 2004, that’s the compliance date for the HIPAA Privacy Rule for small health plans. A small health plan is defined as a plan that spends less than $5,000,000…

Do you ever call customer service for a company and get a message that the call may be recorded or monitored? Most likely this is a quality control function and…

Here’s what we do know about HIPAA:  _____Here’s what we don’t know about HIPAA:  ∞This article includes links to authoritative and otherwise web sites that may answer many of your…

Has your agency started the implementation of security policies and procedures to meet HIPAA Security Rule requirements? What about other laws for essential security requirements? Have you developed your security…