Technical Knowledge

In light of the upswing in E&O cases involving agents and certificates of insurance, an agency is doing all it can to take care of requirements. But no one is perfect.

An agency receives mortgage company requests for specific wording in reference to replacement cost on an evidence of insurance. What’s the proper response?

After a burglary, an agent’s client suffered significant damage to the home, including losing a safe containing jewelry, money and guns. Together, the jewelry and money alone were worth more than $88,000—but the client received only $1,200 from the insure

ISO Commercial Property Changes; ISO CGL Changes; ISO Additional Insured Endorsement Changes

PAP Delivery Exclusions; The CGL and Damage Caused by Landscapers; PAP Coverage for Valet Parking

Can an insurance company deny a homeowners policy claim because of damage caused by a squirrel? There’s no more fitting of a time than Groundhog Day to learn about how rodent damage is treated by homeowners coverages.

Abusing the BAP Pollution Exclusion; PAP Named Nonowner Coverage; Does a Trucker Need CGL Coverage?

Any agency that deals with commercial lines is familiar with the daunting task of processing and explaining additional insured endorsements and certificates. But every now and then, an agency handles a request to name a party as an additional named insure

Your insured’s bank has asked to be named as an additional insured on their business income coverage. Why? Could be that the insured has a loan or line of credit they want to secure. Could be that they’re so used to being named as a mortgagee on the prope

The “Primary and Noncontributory” Myth; HO Coverage for Timeshares; Extra Expense: What Is “Necessary”?