Technical Knowledge

Why You Should Always Offer UM/UIM Coverage

As many as 13% of all U.S. drivers are uninsured, according to the Insurance Research Council. Protect your customers and yourself by offering uninsured/underinsured motorist coverage.

HSB Cultivates Farm Cyber Endorsement

Farmers today are using technology to manage almost every aspect of their farms—from capturing farm production data to controlling precision agriculture processes. However, as farming technology becomes more sophisticated, so does the risk of a cyberattac

Can a COI List Lower Limits than the Umbrella?

An insured has a $5-million limit on their umbrella policy but wants to show only a $2-million limit on the certificate of insurance. Is it permissible for an agent to list lower limits on the COI than what the policy actually provides?