Commercial Lines

Core coverages include accidental death and dismemberment (AD&D), accident medical expense reimbursement, temporary total disability benefits, and more.

The liability environment for corporate leadership continues to intensify across multiple fronts. Here are four ways agents can help clients understand and navigate these evolving risks.

An insured owns a marina. During the course of operations, they will tow a non-owned trailer, with or without the boat on the trailer. The towing will take place on the marina’s property but will occasionally cross a public road. The insurer will not give the agency a definitive answer about coverage.

On this episode of Agency Nation Radio, Will Jones, editor-in-chief of Independent Agent magazine, chats with Kristina Witzling, executive vice president from Zeldis Research, to unpack the results of the 2026 Agency Universe Study.

A more connected process can help agents place workers compensation alongside other commercial coverage while creating more room to advise policyholders. 

Over the past year, the directors & officers market has undergone a notable shift, fueled largely by a resurgence in capital markets activity and deteriorating loss experience.

As the risks within the commercial auto industry grow, so do the opportunities for independent insurance agents to help clients navigate an increasingly complex threat landscape.

A commercial insured has been served with benzene exposure lawsuits, with exposure going back to the 1980s. Should the agency put the general liability carrier and excess general liability carrier on notice at the time of first notice of loss? The insured has switched carriers over the decades.

The liability exposure brought by artificial intelligence (AI)-enabled tools often isn’t recognized until a claim emerges. Here’s how to uncover the AI risks that traditional reviews often miss.