| |  | | 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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