| |  | | | Special Feature * Advantages of Big 'I' Membership * Commercial Lines * Back to Basics * Agency Management * Life & Health * Insurance Laws & Statutes/Coverage Resources |
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| | It’s hard to find and keep great employees. Just when you relax a bit, thinking you’re fully staffed and everyone’s happy, someone gives notice. Or perhaps an applicant you’ve offered to hire ghosts you. Virtually every agency owner we talk to struggles to recruit and retain top talent. Statistics about flight-risk employees are all over the map, from 25% of your workforce looking for new opportunities to much higher predictions. |
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| | Big “I” Markets, featuring Big “I” Eagle Agency, connects member agents with top tier insurance markets. More than 10,000 Big “I” member agencies nationwide have looked to Big “I” Markets to access our affluent homeowner and personal package programs, hundreds of bonds, commercial auto, commercial package policies, community bank package, cyber liability, flood insurance, habitational program, non-standard homeowner, real estate agents E&O, and more. |
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| | One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The first question is, is it a pure ISO form or not? And, if it IS an ISO form, what is the edition date? What does the edition date matter? |
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| | Work patterns since COVID-19 sent millions of workers home had a big impact on the commercial real estate market. And although JP Morgan predicts commercial real estate will come “bouncing back” in 2022, it’s a great time to remind your clients of the need to understand their commercial property policies’ vacancy clauses. |
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| | One of the biggest exposures for an errors and omissions claims arises from certificates of insurance. When providing additional insurance, under the commercial general liability policy replace the need for a waiver of subrogation endorsement? Read this article to find out. |
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| | Property can be assigned many “values” depending on the purpose of the valuation and who is valuing it. But insurance is concerned with only four options: actual cash value, replacement cost, functional replacement cost and market value. |
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| | This article from IA Magazine explains how weather events, COVID-19, and construction have impacted commercial property coverage. |
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| | What is the agency’s responsibility if the insurance carrier alters coverage at renewal? Most state statutes require the insurance carrier to notify the insured – not the agent. But should the agent undertake any action. |
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| | How should agents manage a COI in situations where the insured carries limits higher than those required by the contract between their client and the upper tier contractor? Should the limits required to meet the contractual requirements be listed, or should the actual policy limits be listed? Doing it one way is misrepresentation and the other is, well, misrepresentation. How does the agent avoid misrepresentation? |
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| | Insurance (or assurance), as we understand the concept today, is more than 700 years old. But what events shaped our modern world of insurance? Following are some interesting facts, myths, and legends that helped mold the current insurance world in America. |
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| | Estate planning can be defined as planning for the transfer of wealth (a large amount, a small amount, or something in between) at a person’s death, and the making of certain legal and related arrangements for events associated with the time shortly before and after death. In this article, we'll examine a few of the important considerations in estate planning. |
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| | Life insurance is purchased with consideration for others. An insured is not going to receive the policy proceeds. Family members are usually the designated recipients. Selecting the way to protect these benefits requires a great deal of consideration. |
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| | Need help finding the condominium laws of each state? This reference gives you the condominium law, the horizontal property law, the common ownership law, or whatever it is called of every state. Useful – and needed - whether you insure the association or the unit owner. |
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