Magazine

PAP Delivery Exclusions; The CGL and Damage Caused by Landscapers; PAP Coverage for Valet Parking

A gas station owner is $65,000 in the hole because its credit card machines failed to charge customers for their purchases—for six months. The owner’s insurer denied his claim under the ISO BOP Special Property Coverage Form, but Ace thinks he has a case

Small businesses are the engine that keeps the U.S. economy running, and as insurance agents, we have the opportunity to help them be more successful by writing business owner policies that protect their assets. They are often in need of specific coverage

By: Volume 110, No. 3

Regional multilines carrier Erie singles out various builders risk extensions of coverage that are designed to attract new business from agents and brokers. Erie Vice President Christine Lucas cites three all-risk coverage components that come at no addit

Face-to-face—or Facetime? While customers are demanding both, independent agents are struggling to determine what that means for their physical location and agency model. Agents are trying to strike a delicate balance between personal interactions with cu

In response to the Sept. 11, 2001, attacks and the ensuing inability of the commercial property-casualty insurance markets to underwrite the risk associated with such massive and unpredictable acts of violence, in 2002 a bipartisan Congress passed the Ter

While on a Caribbean cruise, Ace meets an unmarried couple who share a home together. He breaks the news that the boyfriend’s HO-3 policy doesn’t fully cover his girlfriend’s personal belongings—including the Rolex watch that she’s wearing.

HO Loss Assessment Coverage; Hurricanes and Homeowners Loss Assessments; Townhomes…HO or Master Policies?

For most of your clients, nothing is more foundational to their financial security than the ability to earn an income. It is their income that funds every other aspect of their financial plans. And one of the biggest threats to that income is the likeliho