Commercial Lines

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…

“Leaseback” of a Personally-Owned Auto Done Right

Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…

car after an accident, after a pedestrian hit

Mid-Term Cancellations

Once a policy is in effect and has existed beyond the underwriting period, provisions still exist allowing the carrier to cancel the policy during the policy period. These are often…

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