Commercial Lines

Employers are weighing rising health care costs, workforce shifts and evolving employee expectations, while employees face more benefit choices than ever.

An insured’s fence was damaged by wind and the carrier denied the building and personal property coverage claim. However, an endorsement adds coverage for appurtenant buildings or structures.

Understanding how group captives work—and where they fit—can better equip you to help clients navigate an evolving marketplace.

From shipyards to dock contractors, longshore & harbors exposure can appear in unexpected places. Learn where to look and when to bring in The American Equity Underwriters.

A business owners policy is a strong foundation, but not a complete risk management solution. Here are four insurance gaps agents can highlight for their clients.

An agency frequently insures rental properties where the ownership structure is not straightforward. How much guidance should the agent give on how the named insureds should be listed?

Design responsibility is a growing area of risk that general liability simply wasn’t designed to cover, and it’s starting to catch more contractors off guard.

State workers comp may not be enough for waterfront employers. This guide helps agents understand when federal maritime coverage may apply.

An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.