With Memorial Day right around the corner, it’s timely to discuss a common issue regarding above-ground pools: Do they fall under Coverage B—Other Structures or Coverage C —Personal Property under an HO-3 form? This is an important question from a valu
The scenes are all too familiar: The relentless rain, rushing flood waters and howling winds that accompany a hurricane; the trembling earth and cracked foundations inflicted by an earthquake; or the punishing gale-force winds of a tornado.
As the competition in our industry has intensified in recent years, winning independent agents have recognized that it is more important than ever to effectively align their agencies with carriers that can meet their growing needs. Today, independent age
By: Volume 104, No. 4
Large agencies are discovering personal lines can be profitable.
The “bed wars” are officially over. The New York Times says so. You can walk the streets more safely at night knowing that the battle of the bedspreads has come to a halt. Most travelers have noticed something since 1999…
At the direction of their accountant, a husband and wife transferred ownership of their secondary residence condominium unit to a closely held family-owned corporation, allegedly for tax purposes. Following a loss, the couple filed a claim for direct prop
Imagine your agency’s daily operations without standardized insurance forms. If the Senate’s majority leader and minority whip have their way, you won’t have to imagine it. Life without standard forms will be the new reality. As independent agents and
In spring, the thoughts of many a great agent turn to love…of the Big “I” Best Practices study. Every three years, a batch of invitations is sent to high-performing agencies around the country, asking them to participate in the study, which determines the
It’s a cold day in Miami, one of the few we enjoy each season before our neighborhoods warm up. This morning, The Miami Herald’s headline proclaimed “Baby It’s Cold Outside!” Our temperature at 8 a.m. was 53 degrees. OK, stop laughing. With my apology to