Article

Holding A Client Hostage Revisited – Again

Are insurance carriers required to honor an AOR? We have discussed this question a couple times, most recently with a Point/Counterpoint article. In this re-visitation a couple reader responses to…

Wooden mannequin lying under heavy heart - Concept of love troubles

Antivirus and Anti-Malware Software for Agencies

Every small business owner should prioritize using effective software to prevent virus infection. Whenever someone begins their search for online security, they ultimately discover there are two major types of…

Agency Security Education & Training

All the firewalls, operating system patches, and defenses are for naught if your agency staff is not properly trained on security protocol – One errant click or opening a file…

E-learning. Concept of education. Internet labrary. Book and Laptop. 3d

H3N2 Flu and Workers’ Compensation

Record flu seasons often garner heavy media attention. When any strain of the flu is in the news, whether it be Swine flu, Bird flu or 2018’s H3N2 strain the…

State Laws Affecting Insurance

Insurance policies promulgated advisory organizations and other independent bureaus serve to establish consistency in policy wording. Even when a carrier creates and uses a proprietary form, that form generally contains…

Flood Insurance: A New Opportunity?! (ISO Thinks So)

Floods occur virtually everywhere in our country, but each flood has unique characteristics. The common denominator of each of these events is: insureds are virtually unprotected from the effects and…

Frozen earth globe inside an ice cube on pastel background with copy space. Climate change and long winter concept, planet Earth is covered by ice and snow.

Personal and Advertising Injury: Another Case Where ISO May Be Broader

Proprietary coverage forms are not always better than Insurance Services Office (ISO) forms. Careful comparison is required to confirm the insured is not harmed by non-ISO language. A recent Illinois…

Paper contract form with a signature about to be signed on a signature field.

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