Back to Basics – What Is the Surplus Lines Market?
With today’s hard market, more agents place business with the surplus lines market. This article provides a basic overview of the importance of the surplus lines market, and some pitfalls…
Personal Lines
Don’t Let Water Damage Claims Drown Your Agency’s Profits
In 2021 according to the Insurance Information Institute (III), almost 24% of losses under homeowners insurance arose from water damage (including freezing-related) claims. From 2017 to 2021, III reports that…
Costly Coverage Mistakes
Are you losing clients to online insurance carriers? Do you worry that an issue of inadequate limits, coverage gaps, or payment snafus can expose your agency to an errors and…
Client Jewelry and Personal Articles Floater
Insurance losses related to jewelry are huge — much more than most insurers realize. According to Department of Justice statistics, 70% of all personal property (contents) theft losses are jewelry.…
Essential Personal Lines
Essential Personal Lines
Advanced Personal Lines
Advanced Personal Lines
Back to Basics – What is a Personal Umbrella Policy?
Personal lines policies offer liability coverage limits that protect your insureds if they injure someone or damage their property. But with today’s ever-increasing jury verdicts, it’s not hard to see…
The Challenges of the Canine Liability Exposures and the Standalone Canine Liability Policy
In a recent article we wrote on the problems of canine liability, agents asked where they could obtain a standalone canine liability policy. Our guest writer, insurance agent Debbie Turner,…
Back to Basics – What is Coinsurance and How Do I Describe it to My Clients?
Coinsurance may be the least mentioned yet easily explainable clause in both commercial and personal property and other policies. You will find coinsurance clauses in many types of policies. These…
Understanding Dog Bite Liability and Coverage Issues
Approximately 4.5 million dog bites occur in the U.S. each year, according to the Centers for Disease Control and Prevention (CDC). According to DogsBite.org, from 2005 to 2017, 433 Americans…
