| |  | | | Advantages of Big "I" Membership * Commercial Property * Back to Basics * Workers Compensatoin * Life & Health Insurance * Insurance Laws & Statutes/Coverage Resources |
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| | Big “I” Flood and Selective’s relationship helps deliver members an unparalleled flood program. Together, we offer agents several layers of support to meet any and all flood insurance needs. Get your flood questions answered by getting to know the Big “I” and Selective staff. With personalized support, competitive commissions and an easy-to-use quoting platform, it is a simple decision to start writing your flood business through the Big “I” Flood-Selective program today. |
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| | 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 ground source heat pumps, direct use geothermal and deep geothermal systems. This article provides a brief overview of this technology and some of the property insurance coverage pitfalls that can occur when homeowners and business owners use this technology. |
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| | A concept as common as the application of a “property deductible” is rarely taught or even considered, it is simply “understood.” The problem is we tend towards the belief that everyone “understands” the application of a property deductible the same way. They don’t. |
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| | The exposure to loss of money, securities, or other property due to trick, scam, etc. has been around for millennia, but from an insurability standpoint, traditional “ISO standard” insurance products have excluded this exposure as a business risk. Until now. |
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| | The insurance industry has long gone through periods of “hard” and “soft” market conditions. In hard markets, insurance premiums increase and capacity – the ability of insurance markets to accept coverage – typically shrink. In soft markets, premiums decrease, and market capacity typically increases. Many newer agents have never experienced a hard market. The ability to navigate a tight insurance market and explain the market fluctuations to your clients can mean the difference between winning an account and losing a valued account to a competitor. |
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| As an insurance agent, you understand that your clients and their organizations face new challenges every day, including keeping workers’ compensation costs down, receiving proper workplace injury reports and improving employee morale. It doesn’t need to be difficult to address these needs. In fact, by simply guiding your clients to the right nurse triage program, you can help them create better workers’ comp results, reducing experience modification factors and strengthening your client relationships.
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| | Workers’ compensation, from a coverage standpoint, is the simplest coverage to understand and even explain. However, statutes and common laws serve to complicate the initial simplicity of workers’ compensation and complexity breeds errors. |
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| | Endorsements serve to alter any policy; this is true of workers’ compensation policies. This is a schedule and description of many workers’ compensation forms and endorsements. |
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| | As the marketplace for long-term care insurance continues to shrink, more agents seek ways to expand their revenue and meet their insureds’ needs by offering other coverages. Critical illness coverage, which provides additional insurance protection for medical emergencies such as strokes, cancer, or heart attacks, can offer your clients protection and build customer loyalty. |
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| | Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client list have been overlooked for many years. Here's how you can improve retention and the agency's bottom line. |
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| | Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client list have been overlooked for many years. This short series of articles shows you how you can improve retention and the agency's bottom line. The topic for Part 2 is “Figuring Life Insurance Amounts." |
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| | Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client list have been overlooked for many years. This short series of articles shows you how you can improve retention and the agency's bottom line. The topic for Part 3 revolves around cross selling. |
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| | In 1995, the Legislature added section 1725.5 to the California Insurance Code (Cal. Ins. Code) to require various types of insurance licensees to print their license numbers on business cards, written price quotations for insurance products, and print advertisements distributed exclusively in this state for insurance products. That law took effect in 1997. The California Department of Insurance has added a new requirement on license disclosure on emails which takes effect on January 1, 2023. |
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