This article distinguishes liquor liability from commercial general liability and explains why establishments must manage alcohol service as a separate risk. It notes that alcohol server training, often called TIPS,…
Today’s insurance trainers are retiring in droves, and newly licensed agents are coming on board quickly. This means our industry is in dire need of fresh training talent. Whether you…
Employment agreements can create serious perpetuation risks for agencies. Agency owners should trust their employees, but they also need written safeguards that confirm expectations, protect client relationships, and support the…
Are you concerned that the increased treatment of your client’s injured workers is negatively impacting medical care and increasing temporary total disability time? According to recent research by the Workers…
Artificial intelligence is making it possible for insurance professionals to build tools that once required a software development company. Agents can now bridge gaps between systems, automate workflows, create client…
As wildfire exposure spreads beyond traditional high-risk regions and devastates formerly untouched communities, insurance agents need practical ways to support clients facing non-renewals, restricted markets and difficult underwriting conversations. This…
This month, our team of experts provided answers to an interesting question: What are some best practices surrounding how to name the insured on a property policy? Is it appropriate…
Insurance agents should recognize that an artificial intelligence policy (AI) is only a starting point, not a complete risk-control system. Agencies need practical controls that identify where AI is used,…
Alcohol-fueled assault and battery (A&B) claims continue to arise in bars, “gentlemen’s” clubs, hotels and habitational risks, even as violent crime declines nationally. This article examines why A&B exclusions have…
An insurance agent accepts an attractive account despite lacking experience with that type of operation, only to face a costly dispute after a major loss reveals overlooked exposures that resulted…
