Serving the English Language Learning Client
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Commercial Lines
Input from ACORD Regarding Recent Changes to the ACORD 25
ACORD recently released a new edition of the ACORD 25 (2025/12), now in use. Here is a clarification to any confusion about listing contract not policy limits.
The Future of Risk: Verisk Navigates an Evolving Risk Landscape
Today’s insurance agents and brokers must recognize new and emerging risks and rapidly evolving coverage limitations to help best protect their customers. For over two decades, Verisk, or ISO as we old-school…
Back to Basics – What is Spoliation in Insurance Claims?
The Oxford Dictionary defines spoliation as “the act of ruining, destroying or spoiling something,” according to. In short, it means that something that should be kept is lost, destroyed, or…
Comments On the Third Circuit Sustains D&O Policy’s Condition Precedent to Coverage, No Coverage for the Policyholder
A recent court finding on a D&O policy’s condition precedent to payment by the excess carrier bodes poorly for agents and insureds. Read on for more details on this court…
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.…
Can Administering Narcan Create a General Liability Exposure?
Our Ask an Expert service offers Big “I” members insight into today’s risks or other coverage, technology, or agency management issues today’s agents encounter. This article offers insight into an…
Are Your Private-Sector Clients Aware of their Directors and Officers Liability Exposures?
Many experienced business owners are unaware of their need for a Directors & Officers (D&O) liability policy. According to a white paper on this issue developed by Gallagher, a Chubb…
