Agency Operations

Is the accidental damaging of the electrical line faulty workmanship or ordinary negligence? Who is liable?

The lifting of the ban on PFAS incineration expands disposal options for military and industrial waste, but it also lengthens the liability chain and adds new layers of complexity for agents and their clients.

A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.

If insurers have better visibility into whether home devices are active and functioning, they could intervene early, resolve installation or connectivity issues and ensure credits reflect genuine mitigation.

What are the reporting requirements of a liability claim to the carrier that doesn’t write the underlying coverage?

DIY home inspection tools represent a new way for clients to get a faster resolution after a loss, helping eliminate the wait for adjuster availability and giving homeowners more control.

A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.