Can an Insured Make an Extra Expense Claim Without a Business Income Loss?
After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.
Commercial Lines
Rubber Hits the Road: Does a Tire Recycling Company Need Pollution Coverage?
A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.
Top 5 Most-Read Articles in Independent Agent in August
Agents wanted to know how to handle a demand to add language to a certificate of insurance (COI), as well as the top five workers compensation codes that agents get wrong.
Discontinued Product Liability and Occurrence CGLs
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
Reimbursement for Evacuation Costs: Help Clients Understand This Coverage
With ongoing wildfires in the West and an above-average Atlantic hurricane season predicted, it’s essential for independent insurance agents to educate clients on how their policies can cover evacuation-related expenses.
Multi-State ISO BOP Revision Allows Certain Auto Service Risks
A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.
Products-Completed Operations Coverage for a Closed Business
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
Is There a Coverage Gap When BAP and Umbrella Have Different Renewal Dates?
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
4 Things You Should Do If Your Carrier Has Been Hacked
Cyberattacks against carriers, such as the ones earlier this month against Erie Insurance and Philadelphia Insurance Companies, can pose serious errors & omissions risk for your agency.
