| |  | | | Special Feature * Advantages of Big 'I' Membership * Life & Health * Back to Basics * Agency Management * Commercial Lines * Insurance Laws & Statutes/Coverage Resources |
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| | Citing “climate change, changing lifestyles and new technologies,” Verisk will update the Businessowners (BOP) program with “significant enhancements.” Read on for an overview of the expected changes. |
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| | Trusted Choice® is the national marketing brand created exclusively for Big “I” members to help consumers understand the value an independent agent offers. Differentiate your agency from the competition when you leverage our reach, expertise and savvy to increase your business. Need help creating an advertising campaign, looking for content for your social media channels, or want to see how you can optimize your website and improve your customers experience? Trusted Choice offers multiple free resources, tools, training and financial support for utilizing cobranded marketing materials. |
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| | From IA Magazine, learn about the history of critical illness coverage, approaches to selling, and the wide market appeal. |
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| | From IA Magazine, learn more about how to have conversations about life insurance policies in spite of hard times. |
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| | A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with a Business Interruption type of coverage. What is often overlooked is the problem that occurs when the business owner is disabled for a short time. |
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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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| | The Big “I” Technical Affairs Committee (TAC) is one of the least publicized committees among the groups that work to improve agency operations and solve many types of insurance issues. TAC met with Verisk/Insurance Services Office (ISO) in 2023 with a full agenda of suggested coverage wording enhancements and changes. Read on to see how the Big “I” Technical Affairs Committee helps agents deliver improved consumer-oriented coverage. Your input can help. |
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| | Agents may be asked to complete an addendum to a certificate of insurance; in fact, the agency may almost be forced to do so. Should the addendum be completed? The “ivory tower” answer is “no;” the correct answer is, “no;” but…. Sometimes agencies make decisions counter to the correct ones, if the agency plans to ignore the advice, what can it do to protect itself? |
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| | From IA Magazine, read about how the excess and surplus market has changed and how the need for the non-admitted market has grown. |
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| | Even though COVID risks have lessened, this article is still a great primer on extended cusiness income coverage. Following a business-closing loss, insureds suffer two income loss periods. Obviously, income is lost during the period the business is shut down or slowed down because of the property loss. But less obvious is the fact that income is or may continue to be lost AFTER the operations resume. |
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| | 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. |
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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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| | Download this chart that details mid-term cancellations by state. |
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