Personal Lines

The Affordable Care Act has permanently altered the health insurance industry and is a topic of tremendous importance to agents and brokers in all areas of insurance and financial advising.…

We are all aware of the human tragedy involved in the landslide which buried homes in Darrington, Washington in March 2014. From the perspective of our industry, the first question…

ISO has introduced two new HO endorsements and revised one HO endorsement. The revised endorsement seeks to clarify coverage for water back-up and sump discharge or overflow. The new endorsements…

A Pew Research study showed that 42% of college grads age 18-29 were living with their parents. Many of them attempted to make it on their own but, given economic…

An insured’s party guest wore spiked high heels that left major dents in his home’s hardwood floors. The adjuster has denied the damage, citing the “marring” and “wear and tear”…

Vandalism of grave markers at cemeteries is, unfortunately, a common loss exposure. When this happens, where is insurance coverage (if any) likely to be found? This article addresses the basic…

It is remarkable how many questions we get about exposures involving pulling trailers. Pulling personally-owned trailers with business-owned autos. Pulling business-owned trailers with personally-owned autos. Using trailers as music stages.…

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners…

As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…

Since many homeowners policies do not cover animal liability (or in the case of ISO, canine liability), it begs the question of how personal umbrella and excess liability policies respond…