Commercial Lines

A severe rainstorm damages the roof of a premises an insured has been renting for a number of years. While the insured’s employees are removing the contents from the property to save it from damage, they hit the steel-roll doors with a forklift, damaging

Carriers often use the terms “umbrella” and “excess” interchangeably on their forms. What is the best way to tell if an umbrella policy is a true umbrella policy, or if it is actually an excess policy?

To gauge the status of agents’ biggest concerns as we look ahead to 2020, IA spoke with several independent agent carrier partners about where these trends stand today—and where they’re headed tomorrow.

E-commerce is the driving force behind groundbreaking technological trends in the trucking industry, which is likely to become the leading transportation sector when it comes to autonomous vehicles.

As a trucking insurance specialist, independent agent Toni Jones cites challenges from rising premiums to a lack of qualified drivers. “These types of accounts can be notoriously difficult to place,” she says.

An insured runs a business in which he uses a front-end loader. The loader accidentally crashes into his personally owned truck. The truck is insured on a personal auto policy but only has other than collision coverage. Is he covered?

Between 1991, when Clarence Thomas’s U.S. Senate confirmation hearing was dominated by talk of sexual harassment, and 2017, which saw the birth of #MeToo, the EPLI market evolved enormously.

Independent agent Mary Pursell has observed major changes in the EPLI market. “Originally, EPLI policies covered sexual harassment, discrimination and wrongful termination,” she says. “Now, coverage definitions are expanding.”

Before transitioning to a career as a trucking and transportation insurance specialist, Tracy Lange spent nearly three decades in the health care field. “You think everything’s going to translate from helping people who can’t breathe,” he says. “But it tu