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ISO is intent on developing cannabis-related endorsements. To date it appears that most are exclusionary endorsements. Because the federal government and the states seems to be on opposite sides of…

ISO introduced five new cannabis exclusions for use with the BOP policy. Two of the five are essentially “absolute” exclusions and three have a hemp exception. This article introduces and…

Although marijuana and THC-containing substances are still illegal federally, individual states are making their own laws concerning these substances. The fact is, most states are in direct conflict with the…

In 2019, ISO introduced three new construction-related endorsements. Two extended automatic insured status for completed operations and one waiving subrogation rights when required by contract. The industry asked and received.

The Digital Transformation of the Insurance industry is underway. Technologies such as the Internet of Things, Big Data Analytics, Robotics and Artificial Intelligence are already making an impact. But where…

Halloween pranks can cause injury or damage. Even if no pranks are pulled, a trick-or-treater could suffer injury on the insured’s premises. What should we tell our clients about Halloween…

Agents often get pulled into spots they don’t need to be; one of those is pulling MVRs for commercial auto clients. If asked to run MVRs for your commercial auto…

A reference library is essential for true insurance professionals. One of the best reference tools for every serious insurance professional is one written by attorneys Randy Maniloff and Jeffrey Stemple.…

Why waivers of subrogation are requested is a question that results in blank stares and shoulder shrugs. Risk managers want them because they were in the previous contract their company…

Small businesses are facing problems when buying a commercial auto for business use – banks often require the business and the business owner’s name be on the title. This has…