In an increasingly complex risk landscape, the commercial general liability insurance market is experiencing significant change, marked by tighter coverage terms and a growing number of exclusions.
Risk managers for private and school-sponsored summer camps need to understand the risks they face and take appropriate measures to prepare for and protect against accidents that can threaten camp patrons, employees and the business.
A used car dealer purchased a pickup truck with a falsified title. The truck had been previously totaled. The customer is being prosecuted, but the car dealer wants to file a claim.
What wording should an agency use in the Description of Operations field? Should an agency include additional insured status and waiver of subrogation by default, or only when the insured asks?
Parametric insurance has been around for many years, but with increased data granularity and availability, these special policies are now widely available to fill coverage gaps under admitted policies.
A restaurant owner rents a building and has a tenant’s policy for contents and liability. A furnace caught fire and the owner says the tenant is responsible for the damage.
Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.
In the age of AI, the question for insurers is no longer whether digital deception will impact their business, but rather how quickly they are prepared to respond.
In today’s personal lines environment, operational challenges are not just business hurdles; they can also translate into rising errors & omissions exposure for independent agents.
A large portion of the industry continues to operate on core platforms designed around nightly batch cycles. Those systems were built for stability and auditability, not instantaneous updates.
