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Many agents possess a significant fear that they are not big enough. No matter if an agency has $500,000, $1 million, $5 million or $100 million, I’ve had agency executives…

Vandalism of grave markers at cemeteries is, unfortunately, a common loss exposure. When this happens, where is insurance coverage (if any) likely to be found? This article addresses the basic…

It is remarkable how many questions we get about exposures involving pulling trailers. Pulling personally-owned trailers with business-owned autos. Pulling business-owned trailers with personally-owned autos. Using trailers as music stages.…

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners…

ISO revised various General Liability coverage forms and endorsements effective April 2013 to reflect the changing needs of insureds and insurers. As with all program changes, the revisions include broadening…

Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property.…

Most agents understand that the value of their agencies lie in the value of the book of business – the future revenues and earnings derived from policy renewals and to…

As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…

I have unfortunately worked with the families, estates and partners of several agency owners who have passed away. Most, but not all, of the deaths occurred unexpectedly. In all cases,…

An insured buys gets a steal on a new building, paying $2.5M for a building with a replacement cost of $12M. The insured is concerned with protecting his investment rather…