Condo Policy: Personal Liability vs. Damage to Property of Others
If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?

If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?
David Garcia, president of Rancho Mesa Insurance Services Inc. in San Diego, California, transitioned from a career in professional baseball to becoming the founder of a Best Practices agency with a unique approach to specialization.
In a world driven by technology and convenience, customers expect to access all types of services through their phones. And consumers with insurance policies are no exception.
Favorable loss ratios and an unprecedented decline in initial public offering (IPO) activity led to the softening of the directors & officers market, but signs point to impending changes.
ConvergeElements™ is a new cyber insurance product that provides small and midsize businesses with clear and confident cyber solutions.
Here are three foundational risk management considerations that agents should know to help improve clients’ insurability in the current architects & engineers liability market.
As the field clears in mergers & acquisitions, the door is ajar for independent agency owners to make an acquisition that could change the trajectory of their business.
Understanding inertia and applying the concept to seemingly routine life choices will enable you to understand and appreciate the forces that are influencing your current trajectory.
Do your due diligence, but never ignore a gut feeling, especially with independent insurance agency mergers & acquisitions.
The famous phrase, “Coffee’s for closers,” from the classic motion picture “Glengarry Glen Ross,” is the perfect example of some of the sales tactics still used today. While perks today are mostly monetary, a CRM takes the same concept but digitizes the experience.