Commercial Lines

Attracting the Underwriter’s Attention with a Solid Underwriting Proposal

In today’s hard market, getting an underwriter’s attention is harder than ever. This article from a highly experienced underwriting consultant can help you get your application to the top of…

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Back to Basics – What Is the Surplus Lines Market?

With today’s hard market, more agents place business with the surplus lines market. This article provides a basic overview of the importance of the surplus lines market, and some pitfalls…

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Back to Basics – What is Spoliation in Insurance Claims?

The Oxford Dictionary defines spoliation as “the act of ruining, destroying or spoiling something,” according to. In short, it means that something that should be kept is lost, destroyed, or…

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Back to Basics: What is Product Recall Coverage?

Manufacturers both large and small position their products into the consumer market, whether food, supplies, or equipment. Normally, rigorous testing helps to ensure the product is safe. However, end users…

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Should an Agency Purchase E&O Coverage from One of Its Carriers?

Agencies have many options available for the placement of their E&O coverage. For some agencies, one of the options is purchasing E&O coverage directly from one of their appointed carriers.…

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