Markets

Businesses operating in this innovative economy are disrupting typical models and changing the way people think about consumption, causing new legal liability challenges.

“With the world experiencing more extreme weather events, the value of flood insurance is a lesson that is more important than ever,” says independent agent Lisa Sharrard. “Some homeowners pay off their mortgage, cancel their flood policy and believe they

The package includes coverages that protect the assets of the retirement plan and the personal assets of the business owners and others involved in the management of the plan.

“The surplus lines industry is very nimble and can adjust to the changing economic climate very quicky,” says independent agent Tony O’Donnell. “As standard markets change their appetite, then the surplus lines market has to change even quicker to maintai

Understand the basics of telematics, how to address privacy concerns and how this powerful tool can help clients manage policy rate increases.

“Contractors pollution liability terms and pricing continue to remain competitive, but site pollution liability is another story,” says independent agent Bill Howard. “Markets are certainly more conservative and carriers are offering short-term policies.”

“It’s really important for every commercial client to have this coverage, which we’re keeping in mind as we’re growing our commercial book,” says independent agent Melissa Stallings. “As I’ve learned, employees are the bread and butter of a business.”

“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

“Seek out an agent that specializes in personal marine insurance and learn the business,” says independent agent Roger Beale. “In a marine policy, one line removed out of the policy can change the coverage.”

The biggest trend in commercial auto insurance is “increasing claims costs,” says independent agent Larry St. John. “Courts are deciding that the primary factor in major bodily injury claims is often distracted driving and the courts now believe an insure