Article

PAP Coverage for Damage Due to “Freezing”

The temperature got so cold that the vinyl flooring in an insured travel trailer cracked. Is this damage excluded by the “freezing” exclusion in the ISO Personal Auto Policy or…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

The New “Retention Dimension”

High performance agencies inevitably maintain controllable customer retention rates of 95% or more regardless of the market conditions, regardless of the insurance economy and regardless of competition. And these high…

Businesspeople talking while standing in office during break. Teamwork concept. High quality photo

Thermal damage to Vinyl Siding…Covered by a CGL Policy?

A painter paints vinyl siding a darker color. When the newly painted vinyl siding is exposed to direct sunlight, the painted siding warps. Does the painter’s CGL policy respond to…

BROWSTOWN, MICHIGAN-SEPTEMBER 20, 2019: Condominium homes in an upscale Detroit suburb.

Thermal damage to Vinyl Siding…Covered by an HO Policy?

A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

Resolve Customer Complaints Quickly

When customers realize that a company they do business with is wasting their time by giving poor service, or forcing them to wait on the phone for customer support, they…

Concept selection and research workers with a magnifying glass on an abstract and employees.

How Long Does It Take for a Producer to Become Profitable?

You hire a new or inexperienced producer. Is there any guideline as to how much time should be provided before he or she reaches a level of production to cover…

A crowd of wooden figures Gripped by measuring tape. Information statistics, measurement of the number, trends of population growth. Social Sciences. Promotion of ideas for weight loss, lifestyle

How Do You Pay Your People and Still Keep a Profit in the Agency?

Agency owners are drawn to salary surveys like flies to sugar because we’re never sure whether we are cheating ourselves or our employees in terms of their salaries. That’s why…

Top view of Light bulb yellow growthing. Concept of creative idea and innovation, Unique, Think different. 3d rendering illustration

Commercial Property Coverage for Public Water Main Breaks

In July 2015, on the campus of UCLA, a 30-inch water main had some sort of catastrophic failure, causing a massive geyser of water, estimated to be around 30-feet high,…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

HO Liability Coverage for Floating Dock

An insured owns a home on the water and he has a floating dock anchored next to a buoy approximately 150 feet from shore. He wants to know if the…

Aerial view luxury motor boat. Drone view of a boat sailing. Top view of a white boat sailing to the blue sea. Motor boat in the sea. Travel - image.

HO Dock Damage…Water or Wind?

A boat dock was damaged by boats blown in a windstorm. The adjuster has denied the claim, citing the “water damage” exclusion reference to water damage “whether or not driven…

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