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Agency Nation Meets: Chris Cline

Across more than 25 years in the insurance industry, Chris Cline has established himself as an industry resource for topics such as perpetuation, agency culture, marketing and sales, data and analytics, technology, and more.

From the Front Lines: Excess & Surplus

“People are always looking for better opportunities and the constant changes in underwriting guidelines,” says independent agent Rajan Nurnie. “An improvement I have seen is that it used to take up to two weeks to get a quote back, and now it takes just

Does Surface Water Count as a Flood?

A carrier denied a client’s property damage claim because the water was “surface water.” The property had the standard ISO special perils form, as well as coverage on a sublimit for sewer and drain backup.

Business Interruption: Special Form vs. Specified Causes of Loss

A client suffered a business income loss due to loss of internet and phone services. The service provider didn’t respond to inquiries for the reason of the loss of services, so the carrier denied the claim because it was unable to confirm the cause of los

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