Commercial Lines

The Underwriting Period

Every state and the District of Columbia grants insurance carriers an “underwriting period.” Insurance carriers are granted broad authority to cancel a newly-written policy during this statutorily-limited period.

ISO’s 2017 Commercial Property Form Changes

September 1, 2017, ISO introduced six new changes to the commercial property program. As part of this filing, ISO altered the CP 10 30 Cause of Loss – Special Form,…

Extraterritorial/Reciprocity Statutes by State

When employees travel, it’s important to know the extraterritoriality and reciprocity statutes in the state where that employee is working. This reference document will help you do just that.

3d render pin pointer and Map location search GPS, travel navigation concept and or internet search bar technology. Paper map, banner, website. Vector illustration

Insurance Applications: Ambiguities and Lies

An insured’s offer to purchase insurance is made in the form of the application, supposedly completed by the insured. Acceptance flows from the insurance carrier in the form of a…

Confused relationships of people in a couple. Misunderstanding and conflicts in the family.

Credit Freezes and Insurance

Were you affected by the Equifax breach? There is a 1 in 2 chance you were. Even if you weren’t, there are certain steps you can take to fight identity…

The spy gets access to the data. Threat to personal data and secret documents. Industrial and financial espionage. Confidential information leakage. Hacker hacking database. Unauthorized admission

Building Codes Turn Partial Property Losses into Total Losses

Few commercial structures fully meet the applicable jurisdictional building codes and regulations of the county, city, town, borough, village or township in which they are located. Building codes are routinely…

Large cog wheels in the motor

Bad Things Happen When Employees Travel to Other States

Traveling employees create workers’ compensation coverage nightmares; but many agents are unaware of these travelling landmines until after the injury. The problems arise at the junction of two key concepts:…

Agents Council for Technology Releases Agency Cyber Guide

ALEXANDRIA, Virginia, Aug. 2, 2017—The Independent Insurance Agents & Brokers of America’s Agents Council for Technology (ACT) has released the ‘Agency Cyber Guide 1.0’ which addresses cybersecurity regulations and provides…

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