Technical Knowledge

Is it acceptable to e-sign certificates and evidences of insurance? Do the same guidelines apply to a producer’s signature on applications?

An agent asks: Is there a property endorsement to add a landlord as an additional insured on property or business interruption?

Lease agreements routinely include provisions that impose liability on the tenant for repairing damage to leased premises from any cause, not just fire.

Does the CG 21 44 endorsement limit commercial liability coverage to a specific location? Here’s why it may not suit a policy that covers an insured with off-premises operations.

Independent agents who receive requests for higher limits often struggle with a limited marketplace that offers standalone excess coverage—as well as a small number of willing commercial carriers with which they may not be approved. Physician professional

Can you fulfill a contractor’s request for a certificate of insurance without a certificate holder name so they can provide it as proof of insurance?

If you insure a condo association and a unit owner’s bank requests inclusion as a loss payee/mortgagee on the master policy, can you fulfill the request?

A general contractor requests that a subcontractor’s certificate of insurance include specific information. What is the suggested verbiage on the COI according to the contractor’s requests?

Do you understand the difference between an indemnitee and an additional insured? Modifying the language of certificates of insurance could have dangerous consequences.

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.