Commercial Lines

The Pimping Economy

Ownership, or rather the desire to own, is changing. More and more people see less and less the need to own something they don’t use on a regular basis. As…

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Key Information for Interpreting the Work Comp Experience Mod Worksheet

The National Council on Compensation Insurance’s (NCCI’s) Workers’ Compensation Experience Rating worksheet looks daunting at first. But once all the acronyms, shorthand and calculations are understood – it can be…

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Back to Basics – How Does a ‘Person’ Become Legally Liable?

Liability policies, whether the HO, PAP or CGL, respond when the insured is judged to be “legally liable” for the injury or damage. But how is “legal liability” determined? That…

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Additional Insured Status and Self-Insured Retentions Revisited

Does the CGL extend coverage to an Additional Insured on a primary and noncontributory basis when the lower tier contractor (the named insured) utilizes a self-insured retention (SIR)? Well, yes…

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Three Workers’ Compensation Endorsements Every Agent Should Know When to Use

Workers’ compensation is simple, it provides sole remedy protection for the injured worker. The difficulty in work comp arises from state and federal laws and non-traditional employer/employee relationships. This article…

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Your Client is Moving its Work Comp to a PEO

Your client decides to move its workers’ compensation coverage to a PEO, you need to know the answer to three questions: 1) What does the PEO do for my client?…

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3 Factors Negatively Impacting the Insurance Marketplace

Three distinct phenomena negatively impact the commercial and, to some extent, personal insurance marketplace: The Winner’s Curse, Submission Bias, and Overconfidence. These phenomena are explained in an international whitepaper titled,…

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I Bet the Named Insured Doesn’t Own the Building! Have You Asked?

Never assume the named insured owns the building. You need to ask what seems like a ridiculous question because ownership of the building may be held by another “person” related…

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