Risk Management

Design responsibility is a growing area of risk that general liability simply wasn’t designed to cover, and it’s starting to catch more contractors off guard.

By helping trucking clients understand the risks and insurance solutions available to protect their cargo, agents can provide valuable support across the supply chain.

What can begin as a relatively small issue on a roof can rapidly escalate into a costly property loss and prolonged business interruption for property owners.

Agents can succeed in the general liability market by developing deep expertise, staying ahead of renewals, setting clear expectations and positioning themselves as trusted advisors.

Commercial lines markets may be stabilizing, but agents who use this period to reset and prepare will be best positioned for what’s ahead.

In an increasingly complex risk landscape, the commercial general liability insurance market is experiencing significant change, marked by tighter coverage terms and a growing number of exclusions.

Risk managers for private and school-sponsored summer camps need to understand the risks they face and take appropriate measures to prepare for and protect against accidents that can threaten camp patrons, employees and the business.

Parametric insurance has been around for many years, but with increased data granularity and availability, these special policies are now widely available to fill coverage gaps under admitted policies.

Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.