Agency Operations

4 Personal Lines Trends That Increase E&O Exposure

In today’s personal lines environment, operational challenges are not just business hurdles; they can also translate into rising errors & omissions exposure for independent agents.

One Loss, Two Deductibles: Equipment Breakdown or Homeowners Loss?

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.

Agency Nation Meets: Julie Furst

With over 25 years in integrated marketing and StoryBrand certification, Julie Furst cares deeply about continuous learning across every aspect of life and people, and about supporting the businesses she truly believes in.

Top 5 Most-Read Articles in Independent Agent in March

In March, Independent Agent magazine saw the Big “I” realize the fruits of its work with Fannie Mae and Freddie Mac in revising their property insurance requirements for federally backed mortgages.

Declaration of Independents: Scott Gray

Last year, Scott Gray was honored with the Barney Burns award at the 2025 Big “I” Legislative Conference for his dedication, passion and leadership in government advocacy for the independent insurance agency system.

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