Commercial Lines

When insuring data centers, agents need to address the risks tied to both the physical facility and the technology systems, as exposures often extend across both cyber and technology errors & omissions coverage.

Independent agents should make cyber insurance a standard part of every small commercial quote, not just a coverage discussed when clients ask about it.

A commercial insured has been served with benzene exposure lawsuits, with exposure going back to the 1980s. Should the agency put the general liability carrier and excess general liability carrier on notice at the time of first notice of loss? The insured has switched carriers over the decades.

The garage liability carrier is declining to pay for the third-party damage, saying the garage liability policy is excess for any non-owned vehicles and that the customer’s personal auto policy should pay.

While the advantages of artificial intelligence (AI) can be significant, these benefits come with risks. Here are five ways to manage your agency’s exposure.

An insured’s fence was damaged by wind and the carrier denied the building and personal property coverage claim. However, an endorsement adds coverage for appurtenant buildings or structures.

An agency frequently insures rental properties where the ownership structure is not straightforward. How much guidance should the agent give on how the named insureds should be listed?

An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.