For insurance agents, carriers and adjusters, understanding specialized insurance products is critical to crafting tailored insurance solutions for clients across the industries. Two lesser known but useful insurance coverages are Engineering Insurance and Deterioration…
Knowing and understanding the needs of clients requires you to understand the nuances of coverage and how they impact the insured’s business. Today, there is a greater bias toward simpler…
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…
According to the Environmental Protection Agency (EPA), geothermal energy technology “harnesses the Earth’s heat,” and at least three types of technology that take advantage of that natural resource. These include…
During COVID, many if not most employees were assigned to work from home. Office-based operations discovered that remote employees may be just as efficient as they were in the office.…
Agents learn early that there are two types of property, real property and personal property. Real property is generally defined as land and everything attached to the land such as…
A surveyor’s equipment was stolen while on a job site. The adjuster denied the claim under the CP 00 10 Property Off-premises coverage, citing the exclusion for such property while…
A prospect’s lease requires that the tenant (him) be responsible for only the heating and air conditioning system (HVAC) under a provision that the tenant “maintain, repair and replace” the…
An I&B claim was denied because the owner of the leased area had not made any betterments or improvements at his own expense since the lease began…all of the improvements…
Building coverage includes personal property owned by you that is used to maintain or service the building or structure or premises, including: appliances used for refrigerating, ventilating, cooking, dishwashing or…
