Commercial Lines

The increasing number of carrier rating downgrades could present an errors & omissions exposure to independent agents if not properly managed.

A two-week internship changed the trajectory of Lugo’s life. At 22, he has found his strengths lay in homing in on a niche and becoming an expert in it.

A U.S.-based trucking client’s truck and cargo were stolen in Canada, but the carrier denied the claim due to a territorial exclusion. The loss happened “before the insured had a chance to read the policy.”

In 2024, expect carriers to continue to be aggressive on new business while more conservative on renewals.

A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.

The new liability policy form includes built-in subpoena coverage and pre-claim assistance, as well as an enhanced ERISA exclusion.

Here’s what instant issue really means, as well as insights on the underwriting capabilities agents should actually care about.

Agents and brokers have the opportunity to educate their clients on some of the key cyber trends to watch for as we close out 2023 and look ahead to 2024.

​One of the largest errors & omissions exposures for insurance agents and agencies occurs during the placement of personal or commercial auto policies.