Commercial Lines

Work Injury Prevention – Remember PADRE!

The easy to remember acronym for the five key aspects of reducing the costs of and avoiding work injury is PADRE. Understanding Prevention, Avoidance of lost time, Duration, Relapses, and…

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Danger! Watch Out for Changing Entity Types

You cannot assume the entity type you insured last year is the same entity type that exists this year. When insuring small businesses, you are fighting against several unseen entities…

ISO’s Professional Liability Forms

Effective June 1, 2017, Insurance Services Office (ISO) introduced the new Miscellaneous Professional Liability Policy (MI 00 01) along with a multitude of endorsements. This is the first in a…

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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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