Ask an Expert May Help Clean Up a General Liability Mess
Ask an Expert helps an agent respond to what she considers an incorrect coverage denial. It’s an example of how our Ask an Expert member service can help you reasonably…
Commercial Lines
Advertising Injury for Intellectual Property Coverages: Understanding Gaps in Commercial General Liability Policies
Personal & Advertising Injury coverage under the Commercial General Liability policy offers very limited protection for patent infringement. Specialty coverage is available, and one such provider, Intellectual Property Insurance Services…
Are Donations Made to Non-Profits Covered in a Business Income Loss?
Business income and extra expense coverage can be difficult claims to handle, and filling out the business income worksheet must be done with care. In this question, an agent asks…
Grow Your Insurance Agency Business by Discovering New Business Ventures
Many consultancies begin out of necessity. An older worker may face a layoff and be unable to quickly find new employment. Professions such as information technology, the finance industry and…
NCCI Rolls Out New Learning Center Platform, Resources for Agents and Brokers
In 2024, the National Council on Compensation Insurance (NCCI) rolled out a modernized Learning Center accessible to the public. The Learning Center provides a range of topics, including classification, experience…
Back to Basics – What Does Symbol 1 on the Business Auto Policy Cover?
While Symbol 1 of the Commercial Auto Policy should cover “any auto” your insured drives, there are no guarantees that 1) Your carrier will allow this coverage on all or…
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…
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…
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…
