In today’s hard market, getting an underwriter’s attention is harder than ever. This article from a highly experienced underwriting consultant can help you get your application to the top of…
Ask an Expert helps an agent respond to what she considers an incorrect coverage denial. It’s an example of how our Ask an Expert member service can help you reasonably…
Personal & Advertising Injury coverage under the Commercial General Liability policy offers very limited protection for patent infringement. Specialty coverage is available, and one such provider, Intellectual Property Insurance Services…
Business income and extra expense coverage can be difficult claims to handle, and filling out the business income worksheet must be done with care. In this question, an agent asks…
Many consultancies begin out of necessity. An older worker may face a layoff and be unable to quickly find new employment. Professions such as information technology, the finance industry and…
In 2024, the National Council on Compensation Insurance (NCCI) rolled out a modernized Learning Center accessible to the public. The Learning Center provides a range of topics, including classification, experience…
While Symbol 1 of the Commercial Auto Policy should cover “any auto” your insured drives, there are no guarantees that 1) Your carrier will allow this coverage on all or…
The Oxford Dictionary defines spoliation as “the act of ruining, destroying or spoiling something,” according to. In short, it means that something that should be kept is lost, destroyed, or…
A recent court finding on a D&O policy’s condition precedent to payment by the excess carrier bodes poorly for agents and insureds. Read on for more details on this court…
Here’s a great example of why the majority of your large and small contractors need pollution coverage. The Rhode Island Supreme Court decision found in favor of the insured, but…
