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for the week of April 1, 2022

Education + Analysis for the Independent Agent

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Special Feature - Commercial General Liability * Commercial General Liability * Commercial Property * Personal Auto Issues * Workers' Compensation * Insurance Laws & Statutes/Coverage Resources
Personal and Advertising Injury Primer
Coverage Part B of the CGL is often overlooked. The focus seems to be on Bodily Injury and Property Damage (Coverage Part A); however, personal and advertising injury is an exposure every insured must consider. This primer allows agents to be prepared for this important conversation.
Liquor, Liquor Everywhere, But None to Drink
Insurance Services Office (ISO) introduced several changes to liquor liability coverage in its most recent multi-state general liability filing. These changes include: 1) Four additional insured endorsements were created for use with the Liquor Liability coverage form; 2) The CG 20 01 – Primary and Noncontributory – Other Insurance Condition endorsement is now available for use with the Liquor Liability coverage form; and 3) A new alternate endorsement was created to address liability coverage for a “bring your own” (BYO) establishment.
Understanding the Basics of Property Protection in COPE Underwriting
Property underwriters analyze essentially the same information today as was reviewed 400 years ago. Although technology has changed, the basics of property underwriting has not changed. The four primary factors in property underwriting are Construction, Occupancy, Protection and Exposures (COPE). This article provides a brief overview of one piece of this puzzle – Protection.
Three Personal Auto Questions Every Agent Must Know How to Answer
Regardless what the commercials tell us, personal auto coverage is not one-size-fits-all. Every insured has unique arrangements and exposures. These lead to uneasiness and questions – hopefully. This article attempts to answer three personal auto questions every agent needs to know how to answer.
Your Client is Moving its Work Comp to a PEO
Your client decides to move its workers’ compensation coverage to a PEO, you need to know the answer to three questions: 1) What does the PEO do for my client? 2) How is my client’s work comp affected? 3) What information about PEOs and WC does my client need?
Is Faulty Workmanship an "Occurrence"?
Download this chart which details by state whether or not faulty workmanship is an "occurrence".
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