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Following a communal catastrophe, such as a hurricane, victims go through several phases of recovery. Agents must know to expect these phases and how to prepare for them. It’s the…

While the number of compensable lost-time injuries have declined steadily for more than 25 years, work comp rates have not dropped. Why? Could the cost of injuries be to blame?

Every professional agent knows to never answer the question, “How much liability coverage do I need?” But even if you don’t overtly answer the question, you may be leading or…

Home sharing hosts have exposures not common to many homeowner clients, a business income exposure. When an unexpected loss occurs, the home owner losses a source of revenue. Does the…

The greatest benefit you have as an independent agent is that you are the “local” professionals – you know both insurance and the area. When you communicate with your customers…

Few commercial structures fully meet the applicable jurisdictional building codes and regulations of the county, city, town, borough, village or township in which they are located. Building codes are routinely…

Traveling employees create workers’ compensation coverage nightmares; but many agents are unaware of these travelling landmines until after the injury. The problems arise at the junction of two key concepts:…

Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…

In practical application, the PAP extends coverage for the business use of a “your covered auto” provided it’s not used to carry people or property for a fee (i.e., Uber…

Employees are your greatest expense, but they are also your most valuable asset. The loss of great or even just a “good” employee has a tremendous effect on the agency.…