Commercial Lines

The program targets businesses with annual receipts of up to $5 million across 80 different class codes in the construction segment, including residential home builders and commercial builders.

By instructing clients on four proactive safety procedures, insurance agents have the unique opportunity to help their clients prevent a liability claim from ever occurring and to defend against claims that are made.

Here are five ways agents and underwriters can work together to build a niche that’s profitable and sustainable.

A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.

“The out‑of‑pocket maximums keep climbing, and the cost follows in lockstep,” said independent agent Matt Brown. “Even with a large population receiving tax credits on the individual market, the remaining premiums remain a burden for most.”

As health care costs continue to rise for many Americans, employers increasingly view supplemental health benefits as crucial for recruitment, retention and employee satisfaction.

A Missouri-based commercial lines client uses virtual assistants in the Philippines. Does the virtual assistants’ wages need to be added to the company’s workers compensation policy?

Prescription drugs play a significant role in increasing health care costs, with Americans spending approximately $98 billion out of pocket on prescription drugs, a 25% increase over the past five years.

While 63% of employers said they provide structured safety training, only 29% of employees report receiving it regularly—and 28% say they have never received formal workplace safety training.