Markets

As breweries and wineries go green, agents need to translate sustainability initiatives into clear underwriting conversations and protection strategies.

“The rate increases year over year are taking a toll on our clients, and businesses can’t survive,” says independent agent John Heist. “While agency owners love the hard market, it’s the account managers and producers that must deliver the increases, whic

In the liquor liability market, independent agent William Schaner’s biggest challenge is providing clients “with a level of coverage that will protect them without making them insurance poor,” he says.

Despite living in a state where there are no dram shop laws, independent agent Roger Cole always offers his clients liquor liability coverage “because there’s always that anomaly that can take place within the law,” he says. “It’s our job to convince them

Many smaller restaurants only serve a little bit of wine or beer—and therefore don’t think they need liquor liability insurance. But “that doesn’t exclude you from having a claim,” says independent agent Melinda Langworthy. “I still recommend getting the

Do you know the difference between a general liability and liquor liability claim? For independent agent Barney Schwartz, explaining that is the biggest challenge in this market.