Technical Knowledge

Why purchase uninsured motorist/underinsured motorist umbrella coverage when medical insurance—less deductibles and copay—would cover such a loss?

An insured tree removal service rents a power crane mounted on the back of a truck and damages a structure while removing a downed tree. Can the carrier deny the claim based on the Mobile Equipment exclusion?

The new structure provides a dedicated limit for every project a firm works on after the retroactive date specified in the professional liability policy—even if the policy aggregate limit is exhausted after a claim.

As exposures like social engineering continue to blur the lines between crime and cyber claims, how is the insurance industry responding?

An agent is issuing a new certificate of insurance with policy limits of $1 million/$2 million. The agent knows of a $500,000 claim. What policy limits should be shown on the COI?

What’s the best way to let certificate of insurance holders know that a commercial liability policy has been cancelled?

An insured does not carry UM/UIM coverage on their BAP. After getting in an accident in the company car, can they file a UM/UIM claim on their PAP instead?

It’s never a good idea to customize a certificate of insurance based on who’s asking for what.

Want to avoid getting a letter from your E&O carrier informing you of an uncovered, excess exposure? When selecting E&O coverage limits, ask—and honestly answer—these questions.

An agent starts noticing three contractual requirements becoming more common for their contractor clients. How should they handle them?