Technical Knowledge

At the time of a loss, which state determines UM/UIM coverage limits? And who is subject to UM/UIM policy exclusions?

A client asks an agent to alter a certificate of insurance and add specific language to the description. The agent is concerned about losing a $900,000 account if they don’t fulfill the request.

Cyber coverage can overwhelm business owners and risk managers, but Philadelphia’s new endorsement offers three first- and third-party coverages.

Your builders risk clients trust you to help them secure effective coverage for their myriad exposures. Make sure tricky policy language doesn’t have a negative impact on their ability to recover from a loss.

For product liability or commercial clients, QBE North America offers a new manufacturing errors & omissions endorsement as a standalone form that combines three key coverages—product, impaired property and work—in one form.

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