An Overview of the Micro-Businessowners Coverage Form by ISO
The Micro-Businessowners Coverage Form—also known as the Micro-BOP—may be a good and inexpensive answer for your smaller entrepreneurs without commercial property exposures.
Commercial Lines
6 Ways to Protect Buildings from Severe Convective Storms
As insurers increase their underwriting restrictions to limit storm exposures, risk mitigation is becoming more important than ever for commercial insureds.
4 Insurance Challenges for Section 8 Landlords
The guidelines for the federally funded program include maintaining properties in compliance with local housing codes, passing periodic inspections by housing authorities and following strict eviction and lease termination procedures.
ACV or RC for CGL Property Damage Claims?
A contractor with an ISO commercial general liability policy experienced a property damage claim. The carrier says it owes the actual cash value (ACV) for repairs but the agent believes the carrier owes the full cost to repair.
Driver Overconfidence Is Making Distracted Driving Worse
Most drivers believe other motorists’ driving behaviors are bad and getting worse, according to Nationwide. Yet most rate their own driving very highly, despite participating in the same risky behaviors.
Cannabis Operators Struggle as Regulations Shift on a State-by-State Basis
Challenges persist for the cannabis industry due to changes in the regulatory landscape, an increase in product recalls, increasing premiums and industry consolidation.
Hurricane Coverage From Vortex Insurance Fills Gaps After Hurricanes Helene and Milton
The coverage features a data-driven trigger, which removes the need to prove a covered loss or damage.
3 Approaches to Protect Against New Risks in Agriculture
The uncertainty surrounding tariffs on key trade partners like Canada, Mexico and China have created immediate challenges for U.S. farmers.
What Falls Under the Multi-Unit and Tract Housing Residential Exclusion?
A carrier is attaching the exclusion to every contractor policy regardless of business class. How will this exclusion apply to different types of contractors?
Personal and Commercial Rates Continue to Rise in Q1 2025
Personal lines rate increases were driven by homeowners insurance premiums, while auto and umbrella and excess liability saw the most significant commercial lines rate hikes.
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