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The concept of actual cash value (ACV) is far more complicated than “replacement cost minus physical depreciation.” In fact, the meaning of replacement cost differs based on the state. To…

Threats of specific kinds of flu and pandemics garner heavy media attention. When any disease strain threatens a large geographic area, it gets lots of press as the next pandemic.…

The “heart” of networking is rooted in selfishness. There are serious problems with this single path to success. Of course, we do need relationships with others; but how can we…

Over the past few years liability insurers have been adding endorsements to attempt to limit their exposure for bodily injury claims on construction sites (not to mention for property damage).…

ISO endorsements are reasonably well understood due to their familiarity; but proprietary endorsements aren’t standardized or always familiar. This means agents must read all endorsements – ISO and especially proprietary…

Premium leakage costs the insurance industry about $30 billion per year in premium and $3.6 billion per year in commissions – it’s a major problem for both carriers and agents.

Lawyers can pull information off an internet archive, such as the Wayback Machine, which retrieves assertions agents have made to long-term clients on earlier versions of websites. When used well,…

Most agents pursue prospects with a passion as long as the prospect appears to be positive and amenable to working with the agency. However, most agents also forget about the…

Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.

Individuals who live in or own homes in a home association face increased financial risks from assessments. Personal lines policies cover some of the assessments, but increased limits of loss…