| |  | | | A Word From Your Insurance Illustrated Team * Special Features * Contractual Risk Transfer/Additional Insured/Certificates of Insurance * Business Auto * Flood * Answering Your FAQs * Insurance Laws & Statutes/Coverage Resources |
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| | We know you have a lot of fun things to do this summer. That’s why we’re trimming down our content for the season. Enjoy yourselves, stay safe, and never stop learning. |
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| 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. Additionally, many businesses calculated how much they could save by lessening or totally eliminating their real estate spend.
One result of COVID’s work-from-home (WFH) mandate, anticipated to exist for several years, is an increase in vacancy rates in commercial office buildings. Because landlords don’t make money when space is vacant, the anticipation is that landlords, as the US reopens, will begin cutting lease rates on commercial office space. Landlords will offer and Tenants will be able to take advantage of favorable lease rates over the next year or longer. |
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| | COVID-related supply chain issues have dramatically increased the cost of building materials. The result, replacement cost limits on property policies may be too low for the foreseeable future. How should an agency respond when talking with their clients about this issue? |
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| | Contractual risk transfer is a fact of life for any agent working with construction clients. Your client might be the transferor or the transferee or both on the same job. Because insurance is a slave to the contract, you have to understand contractual risk transfer. |
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| | With the mobility that technology offers in the form of cell phones, PDAs, and laptops, the ability to conduct business away from the traditional office has exposed employers to hazards not considered or dreamed of just a few years ago. Employers are subject to an ever-increasing chance of being held vicariously liable for the actions of their employees working outside of the traditional office. |
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| | Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property. The least expensive choice at the time of application may turn out to be the most expensive choice at the time of loss. |
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| | A client owns a full-spectrum infrared sauna and float therapy studio. Does the operation need professional liability exposure? |
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| | Download this convenient over insurance statutes by state chart. |
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