Technical Knowledge

By combining smarter product design, more proactive client engagement and the adoption of artificial intelligence (AI), the personal auto market is changing.

An insured had a foreign object go through his combine when harvesting. He called and reported the damage to the agent but didn’t know whether the damage would be over his $5,000 deductible. The agency submitted the claim around 50 days after the original date of loss. The company says they are only paying $2,500…

After a shopping cart was blown 30 yards across a parking lot into a client’s car, the agent believes the windstorm damage is a comprehensive loss. The adjustor says the object is a collision loss because the object must be falling to be caused by a windstorm.

Providing timely, accurate certificates of insurance is essential to keep clients’ projects and contracts moving. Yet, for many agencies, handling these requests has become a significant bottleneck.

If a certificate of insurance (COI) holder is shown as an automatic additional insured when required by contract through a blanket additional insured endorsement and the coverage is cancelled, does the agent need to notify the certificate holder of the cancellation?

Along with precise building valuations, Construction, Occupancy, Protection, and Exposure (COPE) forms the backbone of any commercial property risk assessment.

An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…

DIY home inspection tools represent a new way for clients to get a faster resolution after a loss, helping eliminate the wait for adjuster availability and giving homeowners more control.

Winter Storm Fern highlighted how quickly winter risks can escalate when cold, ice and infrastructure strain overlap. As winter risks continue to evolve, the agent’s role as educator and advisor has never been more valuable.

As demand for data centers and energy storage accelerates in the coming year, these contaminated industrial sites will find new life as technology hubs.