Agency Operations

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.

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.

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?

A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.

If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?

A COVID-19 hangover. The hard market. The movement of policies from the admitted market to excess & surplus lines. Whether a single factor or a combination is to blame, one thing is certain: Errors & omissions claims are on the rise.

A contractor with an ISO commercial general liability policy experienced a property damage claim. The carrier says it owes the actual cash value (ACV) for repairs but the agent believes the carrier owes the full cost to repair.

A subcontractor called the general contractor and told him he moved a water supply line, after which a leak occurred. The sub filed a claim, but now denies he ever touched the supply line. The sub’s carrier won’t follow through with the claim.