Is Heating Oil a Pollutant?
Here’s a great example of why the majority of your large and small contractors need pollution coverage. The Rhode Island Supreme Court decision found in favor of the insured, but…
Commercial General Liability (CGL)
Back to Basics: What is Product Recall Coverage?
Manufacturers both large and small position their products into the consumer market, whether food, supplies, or equipment. Normally, rigorous testing helps to ensure the product is safe. However, end users…
Should an Agency Purchase E&O Coverage from One of Its Carriers?
Agencies have many options available for the placement of their E&O coverage. For some agencies, one of the options is purchasing E&O coverage directly from one of their appointed carriers.…
Should an Agency Purchase E&O Coverage from One of Its Carriers?
Agencies have many options available for the placement of their E&O coverage. For some agencies, one of the options is purchasing E&O coverage directly from one of their appointed carriers.…
From Foreseeability to an Atmosphere of Violence: Unraveling Multifamily Negligent Security Claims
Negligent security claims and other risk management problems plague today’s multifamily housing market. This article outlines the challenges facing multifamily housing owners, explains the standard of care allegations faced in…
Waiver of Subrogation on the Commercial General Liability Policy
One of the biggest exposures for an errors and omissions claims arises from certificates of insurance. When providing additional insurance, under the commercial general liability policy replace the need for…
Preparing a Winning Underwriting Submission
While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However,…
ISO Updates Forms to Exclude Coverage for Perfluoroalkyl And Polyfluoroalkyl Substances (PFAS)
Perfluoroalkyl Substances (PFAS) are a hot topic with Insurance Services Office rolling out forms to exclude coverage for PFAS. This article will provide what we know to date on this…
Habitational Hot Mess
The habitational market struggles with a lack of capacity, increasing non-renewals, higher deductibles and restricted underwriting. How can the industry adapt to this hard market? This article covers current habitational…
Back to Basics – Financial Terms Commercial Insurance Professionals Need to Know
As you handle more complicated commercial accounts, you’ll need to understand some often-used financial terms. Whether you’re furnishing your commercial insured’s financial data for underwriting or renewal or responding to…
