Insurance_Illustrated

Back to Basics – What Is the Surplus Lines Market?

With today’s hard market, more agents place business with the surplus lines market. This article provides a basic overview of the importance of the surplus lines market, and some pitfalls…

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Workplace Bullying in the Insurance Industry

According to a 2021 survey from the Workplace Bullying Institute, about 30% of people experience bullying at work, and another 19% witness it. That means half of the workforce is…

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Back to Basics – What is the Excess and Surplus Lines Market?

There are two distinct marketplaces in today’s insurance arena: the admitted market – those insurers that are admitted to write insurance business in the state or country where the insured’s…

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Church-Owned, Pastor Insured: Is This Correct?

An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…

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“Dagger” or Plus Symbol Classes: What They Mean

Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.

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Deleting a Car and Cancelling a Homeowners’ Policy

The client calls and tells you they have sold or traded in their car. Do you delete coverage that day? Be careful. What about if the insureds have sold their…

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