| |  | | | Special Feature * Advantages of Big 'I' Membership * Personal Lines* Back to Basics * Agency Management * Commercial Lines * Insurance Laws & Statutes/Coverage Resources |
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| | When marketing to the affluent, the relationship needs to exist first, and the sale will follow later. This is one of the reasons why your network is such an important and powerful tool for attracting wealthier insurance clients. Read on for a three-step process to build your affluent insurance market by well-known marketing expert Mark Satterfield. |
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| | The Big “I” E&O Guardian insurance agency risk management web site is designed to arm Big "I" agents with information and tools to mitigate agency errors and omissions. Big "I" members can tap into a variety of educational materials designed to safeguard your agency. Explore the site and dive into specialty agency risk management articles on a wide variety of topics, recorded webinars, sample checklists, sample letters, an archive of newsletters, and more. Some content is available to all Big "I" members, with certain resources reserved for exclusive access by Swiss Re policyholders. |
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| | 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, describes in this article some of the challenges of finding and evaluating a standalone canine liability policy. |
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| | The 18 year old resident son of our insureds enlisted in the Army, went to boot camp for 14 weeks, and took 3 days leave. While riding in a pickup bed that overturned due to the driver's negligence, he was killed. A UIM claim has been filed, but the adjuster says he is no longer a resident relative. Is that right? |
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| | 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 omissions claim? This article reviews some of the important issues your clients and your agency face in managing their personal and business risk. |
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| | 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 not considered valid due to an improper chain of custody post loss. Spoliation claims are growing, and this article covers some of the ways insurance agents can better understand spoliation and warn their clients about spoliation after they experience a claim loss. |
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| | Every professional agent knows to never answer the question, “How much liability coverage do I need?” But even if you don’t overtly answer the question, you may be leading or limiting your client’s choices. Don’t inadvertently make the limits choice for them, or limit the amount of coverage they can purchase. |
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| | As agents and risk managers face a new year with continuing hard market challenges, the first quarter of 2024 is an excellent time to discuss the financial, property or operational changes with your clients that may impact their insurance coverages. |
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| | This article outlines the claims handling process from the adjuster’s perspective so that you as an agent can be a better partner to your client – the policyholder. |
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| | After taking a sharp hit at the start of the pandemic, small business formation has rebounded, giving insurers an opportunity to target new customers. The ISO Businessowners program was developed to help insurers support just such small-to-medium-sized enterprises. As part of the most significant update to the ISO Businessowners program since its inception, they're introducing nearly 60 new, optional endorsements, revisions to dozens more, and updates to the base form. |
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| | Construction risks are becoming harder to place and premiums continue to increase. With the construction starts expected to increase by about 7% in 2024, now is an opportune time to increase your expertise and client base in construction and artisan and contractors risks. This article outlines the current state of the market, including some tips on collaborating with wholesalers to place those hard-to-place contractor risks. |
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| | 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 decision. |
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| | Every state and the District of Columbia grants insurance carriers an “underwriting period.” Insurance carriers are granted broad authority to cancel a newly-written policy during this statutorily-limited period. |
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