Article

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…

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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…

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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.

Keys to Writing Insurance Coverage Letters

Your insureds are not insurance experts, nor should we expect them be. In fact, many don’t like to talk or think about insurance – much less read a “coverage-heavy” letter.…

Tiny smart woman sitting on a huge book and reading, learning and education concept

Duty to Defend – In the Words of the Court

Generally, an insurer’s duty to defend flows from the facts alleged in the lawsuit. When the pleadings alleged damage or injury that is covered by the policy, the insurance carrier…

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Duty to Defend – In the Words of the Court

Generally, an insurer’s duty to defend flows from the facts alleged in the lawsuit. When the pleadings alleged damage or injury that is covered by the policy, the insurance carrier…

Justice Scales and books and wooden gavel on table. Justice concept

Duty to Defend – In the Words of the Court

Generally, an insurer’s duty to defend flows from the facts alleged in the lawsuit. When the pleadings alleged damage or injury that is covered by the policy, the insurance carrier…

The Statue of Justice symbol, legal law concept image

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