Technical Knowledge

Is there any reason an individual would need the Drive Other Car endorsement if they also have a personal auto policy?

After a cat-heavy year, many commercial lines are gearing up for significant rate increases. But commercial excess isn’t necessarily one of them—which makes it a good time to have a conversation about changes in these insureds’ operations.

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.