The BAP covers loading and unloading of a vehicle if done by hand, hand truck, or a mechanical device attached to the auto. The CGL policy picks up the exposure if property is moved by an unattached mechanical device other than a hand truck. So, the quest
Does a BAP Cover a Detached Snow Plow?; PAP Coverage for Detached Auto Equipment; When Are Improvements and Betterments “Acquired”?
Fake it—or make it. For entrepreneurs rebooting their businesses on the heels of the Great Recession, the message is clear: Better make it real.
Forty years ago, visionary insurance agent Stephen R. Dach recognized the fact that the hunt for talent was one of the most important issues facing independent insurance agents. He believed that the ability to recruit, develop and retain the best people w
Count on Coverage Checklists; Tips for New Producers; Soft-Boiled Service; The Best Web Marketing Strategy You’ve Never Heard; Power Failure and Power Surge.
By: Volume 107, No. 12
Higher taxes. An aging population. Less wealth due to the stagnation of the stock market over the past decade. And flat—or lower—real estate prices. All of these elements have come together to create the perfect storm for retirement planning. And the nati
Your insured hosts a New Year’s Eve party and one inebriated guest negligently causes a serious auto accident on the way home. Your insured is sued. Will his homeowners or auto policies respond? The answer may depend on the edition dates—it’s possible tha
Two current cultural shifts fueled by technology are, for many independent agents, a cause for concern: the democratization of data and the rise of virtual relationships. Today consumers have access anywhere, anytime to information once available exclusiv
One dreaded statement from a sales prospect can make a salesperson turn pale. “Is this your best deal?” … “I’ve interviewed a couple of your competitors and they are willing to sell for less.” … “Thanks, but we want to shop around before we make a decisio