When my plumbing contractor husband recently renewed his general liability coverage, he asked our agent if he would have coverage if his employee installed a gas water heater and it…
In 1995, the Legislature added section 1725.5 to the California Insurance Code (Cal. Ins. Code) to require various types of insurance licensees to print their license numbers on business cards,…
According to the Environmental Protection Agency (EPA), geothermal energy technology “harnesses the Earth’s heat,” and at least three types of technology that take advantage of that natural resource. These include…
The insurance industry has long gone through periods of “hard” and “soft” market conditions. In hard markets, insurance premiums increase and capacity – the ability of insurance markets to accept…
As an insurance agent, you understand that your clients and their organizations face new challenges every day, including keeping workers’ compensation costs down, receiving proper workplace injury reports and improving…
As the marketplace for long-term care insurance continues to shrink, more agents seek ways to expand their revenue and meet their insureds’ needs by offering other coverages. Critical illness coverage,…
Agency owners often ask, “How long should I keep expired insurance policies?” When we’re talking about liability policies, the new answer may be “forever.”
Many agents struggle to understand business interruption (BI) insurance, also called business income insurance. This important coverage protects business owners if a covered property loss, or in some cases government…
Assaults, slip and falls, gas leaks and other liability issues can wreak havoc on a commercial real estate (CRE) insured’s loss history. With property rates expected to climb again next…
Insurance losses related to jewelry are huge — much more than most insurers realize. According to Department of Justice statistics, 70% of all personal property (contents) theft losses are jewelry.…
