Technical Knowledge

As the directors & officers (D&O) market shifts from soft to hard, it is a prime time for independent agents to identify emerging trends and changing exposures for their clients.

A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.

In response to a spike in ransomware attacks on the food and agriculture sector, the PAK Cyber Suite provides alcoholic beverage manufacturers with coverage against a full range of cyber threats.

While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.

With adverse impacts from social inflation, litigation funding and heightened safety expectations, the public entities insurance market is in a hard market with increased premiums and reduced limits.

The new endorsement protects truckers by expanding coverage for perils attributed to wetness, rust and corrosion, as well as driver error and changes in temperature on refrigerated loads.

A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.

An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.

From escalating property premiums to increasing liability costs, social inflation and litigation funding, public entities have to continually refine how they manage their unique exposures.

A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?