williamjones

Is a verbal response acceptable or is there a formal way an agency needs to document proof of consent prior to texting?

An insured’s son was mowing her lawn when the lawnmower threw a rock into the neighbor’s truck window. The son doesn’t want to file under his homeowners and feels that his mother’s HO3 should pay the claim.

The insured delivers a refrigerator to a customer. Once in the house, the insured takes the fridge off the dolly to maneuver a small space, but while moving the fridge by hand they scratch the floor.

What are the restrictions an unlicensed employee has when talking with an insured? Is coverage the only thing they cannot discuss?

Must the person signing a certificate of insurance be licensed in all the states where the insured has exposure? Or must the signatory be someone with internal agency authorization?

When a customer sends you a cancellation request, do you follow up with a letter asking if there is a problem?

An agency has several clients that are nonprofit private swimming pool clubs. They are looking to the agency for help to reopen safely, including advice with waivers and standard procedures.

An insured is under scrutiny by media and news outlets for what reporters are alleging is improper employee terminations. If the insured’s agent sees the news, is there any duty on the agent’s part to report the potential claim to the insurer?

A prospect bought a warehouse for $1 million. The replacement cost is $25 million but the owner only wants to protect their investment and has said they wouldn’t replace the building in the event of a total loss.

Should agents let the insured know and track down the premium past due or just let the policy lapse?