As the marketplace for long-term care insurance continues to shrink, more agents seek ways to expand their revenue and meet their insureds’ needs by offering other coverages. Critical illness coverage,…
Insurance losses related to jewelry are huge — much more than most insurers realize. According to Department of Justice statistics, 70% of all personal property (contents) theft losses are jewelry.…
Essential Personal Lines
Advanced Personal Lines
Personal lines policies offer liability coverage limits that protect your insureds if they injure someone or damage their property. But with today’s ever-increasing jury verdicts, it’s not hard to see…
In a recent article we wrote on the problems of canine liability, agents asked where they could obtain a standalone canine liability policy. Our guest writer, insurance agent Debbie Turner,…
Coinsurance may be the least mentioned yet easily explainable clause in both commercial and personal property and other policies. You will find coinsurance clauses in many types of policies. These…
Approximately 4.5 million dog bites occur in the U.S. each year, according to the Centers for Disease Control and Prevention (CDC). According to DogsBite.org, from 2005 to 2017, 433 Americans…
Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop…
Statistics don’t lie, and all across the internet recently we see articles about underinsured homes throughout the U.S. After a loss is a terrible time to discover your insured’s policy…