| |  | | | The surety industry is one of the most complex markets in insurance—which makes it a great avenue for independent agents to prove their value. But in a persistent soft market, adding value beyond price is easier said than done. |
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| Newly added to Admitted lineup: Ohio
Coalition's admitted cyber product is now available in 38 states: AL, AR, AZ, CA, CO, CT, DC, DE, HI, IA, ID, IL, IN, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WA, WI & WV. With the introduction of the admitted product, Coalition has become a one-stop shop to offer cyber coverage to standard and non-standard commercial risks. The flexibility of the surplus lines market allows Coalition to introduce coverages and offer higher limits to respond to the evolving complexity of cyber threats. As Coalition adds new coverages/enhancements to the non-admitted policy form, the admitted policy maybe lacking these coverages/enhancements for some time, pending the state insurance department's approval. If the new coverages/limits are not yet approved in the admitted product, offering an admitted and non-admitted option may be advantageous, if state regulations allow. Learn More |
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| | With the ubiquity of technology in business doesn't it make sense to rely on your web presence and apps to find and keep your customers happy? Self-service is what they want, right? Well, not really. What they want is options. In fact, while the majority of Americans go to the web or an app to initiate a purchase, over two-thirds of them still contact customer service by phone. The primary reason customers report for not wanting to communicate by phone is that it has become increasingly troublesome to get in touch with a real person right away. If faced with enough phone tree options customers can be forced into using self-help tools, but is that what you really want to do? Force them to do something they clearly didn't want to do in the first place? Isn't one of the biggest selling points of an independent agency providing customers with a personal touch and service? Learn More |
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| | Hurricanes cause an extensive amount of damage to economies, cultures and infrastructures. They pose an enormous amount of environmental loss exposures to both homes and commercial properties. Distribution warehouses, for example, that hold various chemicals that were in a safe place prior to the weather events, may have now been compromised, with chemicals released into flood waters or burned by the wild fires. Depending on the reaction a certain chemical has with water or fire, it could be immediately harmful to the nearby natural resources and people. Hurricanes pose even more of an environmental loss exposure with the sheer amount of water intruding into commercial properties and homes. Mold can colonize rapidly within 72 hours of water damage, if the conditions are perfect. Since mold is naturally occurring, it needs a food source, water and heat to colonize and grow. Learn More |
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| | Today, we take on the Family Medical Leave Act (FMLA) which "entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave." Learn More |
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| | Big "I" Flood and Selective need your help capturing your Selective customers' email addresses during the application process. Having this point of contact will allow Selective to keep them up-to-date on important information like bill reminders, claim progress and more. Learn More |
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| | A wholesaler sells a product or multiple products in bulk, usually finished goods to retail outlets or raw materials to manufacturers/producers. Retail businesses sell small quantities of goods to the end-user. Sometimes a manufacturer also acts as the wholesaler. A small producer of a product may start out as a retailer (usually online) and build up to selling their product as a wholesaler to other retail outlets. In a hybrid method of selling called drop-shipping a retailer sells the product to the consumer, but it is shipped by the wholesaler. Travelers wholesalers business owner's policy includes coverages that are important to any business. They also offer additional business-specific options that are essential for any wholesaler such as a Transportation Special Form that provides coverage for stock in transit and Selling Price Valuation on finished stock. Travelers Select provides a complete range of coverage solutions and services for business, spanning the entire breadth of the small commercial marketplace. Products and services include all core commercial insurance lines, commercial auto, workers compensation, property, general liability and umbrella. They also offer a variety of specialty coverages, including boiler and machinery, inland marine, crime and electronic data processing. Learn More |
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| | One of the most commonly asked questions Goldleaf Surety's team receives is, "Do you really need all that information?" The answer: YES. Surety bonds are underwritten as an extension of credit, and the underwriting considerations are similar to those used by a banker in evaluating a customer. Learn More |
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| | Running a small business is demanding - it comes with a considerable amount of risks and challenges to tackle. If that deal doesn't go through, where will the money come from? One of the most important things your small business can do is hire top-performing salespeople. After all, your business would not exist if it weren't for your sales. In fact, 82% of businesses fail due to cash flow problems. In order to push your business to success, you must be able to hire and develop mentally tough sales professionals who can be effective even under the stressful, high-stake conditions of a small business. Learn More |
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| | Recent reporting shows that enabling Multi-Factor Authentication (MFA) can block up to 99.9% of automated cyber attacks. We are very excited to announce that Coalition is the first cyber insurer to further incentivize this essential security practice. For all Surplus Lines policies in-force as of 10/01/2019, Coalition will automatically add the Multi-Factor Authentication (MFA) Retention Reduction endorsement effective 10/01/2019. This non-premium bearing endorsement will reward policyholders with a 50% reduction in retention (up to $10,000), if the policyholder has MFA enabled and requires MFA on business emails, but then suffers a funds transfer fraud, security failure or data breach event due to a business email compromise. Implementing MFA is easy and free. Learn More |
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