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.
“Things like cyber and law enforcement liability were not major topics of discussion two decades ago,” says independent agent Josh Estelle. “In some ways it is no different than the rest of the world, since all industries face changing exposures.”
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.
Natural catastrophe events are becoming more frequent and severe. Here’s what agents should take into account to help homeowners.
How to craft thoughtful office reopening plans that balance the needs of the business and team members.
The surge seen in the RV sector is a trend witnessed across the nation. With rates currently stable, opportunities exist for agents to capture new customers or focus on rounding out books of business.
“The coronavirus pandemic has decimated the industry,” says independent agent Craig Balco. “Many restaurants, especially the new ones, are on such tight budgets that they really need to stay on track with their finances just to stay open.”
One year after the ruling prohibited workplace discrimination based on gender identity and sexual orientation, agents must make sure commercial clients are taking action to reduce risk.
The new policy offers features including coverage for claims made against an insured person solely because they happen to be a plan fiduciary.
Here’s why and how you can find opportunities in life-health for both commercial and personal lines.
