Commercial Lines

Preparing a Winning Underwriting Submission

While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However,…

Round Out Your Accounts with a Business Owners Policy

A few recent articles highlight how many Americans, especially Millennials, supplement their income with side gigs. A side gig is work people start in addition to their main jobs. Side…

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Habitational Hot Mess

The habitational market struggles with a lack of capacity, increasing non-renewals, higher deductibles and restricted underwriting. How can the industry adapt to this hard market? This article covers current habitational…

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Back to Basics – Financial Terms Commercial Insurance Professionals Need to Know

As you handle more complicated commercial accounts, you’ll need to understand some often-used financial terms. Whether you’re furnishing your commercial insured’s financial data for underwriting or renewal or responding to…

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Back to Basics – What is the Business Owners Policy?

The business owners policy (BOP) is one of the most widely used commercial insurance policies designed to protect small-to-medium sized business owners. While the Insurance Services Office ISO form is…

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Can Administering Narcan Create a General Liability Exposure?

Our Ask an Expert service offers Big “I” members insight into today’s risks or other coverage, technology, or agency management issues today’s agents encounter. This article offers insight into an…

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Back to Basics – Lead with Workers Compensation Coverage

Read any insurance trade journal, and you’ll see articles about how agents can “lead with workers compensation insurance.” Savvy insurance agents can increase their business by targeting employers with considerable…

Pollution Exclusion Found to Hold “Ambiguity” by Rhode Island Supreme Court

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…

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