Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
Agency Operations
Does Ordinance or Law Coverage Apply to Rot?
A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.
Multi-State ISO BOP Revision Allows Certain Auto Service Risks
A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.
Holding the Cards: Empowering Agents in Their Carrier Relationships
Agencies can reduce friction with their carrier partners to make claims and compensation more transparent, accurate and user-friendly.
Property & Casualty Forecast: Personal Auto to Improve, General Liability a Weak Spot
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
Products-Completed Operations Coverage for a Closed Business
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
Personal and Commercial Lines Rates Continue to Rise in 2025
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
Does a Rental Car Have Other Than Collision Glass Coverage from a PAP?
A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.
Fourth of July: Warn Homeowners About These 3 Risks
Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.
Homeowners Aware of Risks and Prevention but Don’t Act
While most homeowners are familiar with common risk areas and the technologies designed to mitigate them, relatively few have implemented these solutions in their own homes, according to The Hanover.
