Commercial Lines

A new workplace comes with new risks—and independent insurance agents should make their clients aware of the employment practices liability exposure.

Mortgage lenders are requiring agents to supply a replacement cost estimate (RCE) for refinance closings. Is this something the agents should be doing?

In addition to traditional farm animals such as cattle, swine and poultry, Rokstone also offers coverage on various non-traditional species, such as giraffes, alpacas, elk and bison.

With the Environmental Protection Agency recently adding some variants of PFAS to its hazardous substance list, insureds have potential exposure for cleaning and reporting releases.

Whether you are securing coverage for personal lines or commercial lines clients, agents servicing course of construction accounts must grasp the importance of timing.

“Whenever you work in a niche industry, you’re pretty much saying to somebody that this is our focus,” says independent agent Jerrad Van Coots. “The emergency services industry is so broad that you have to spend a lot of time learning and understanding it

Environmental exposures are becoming harder to ignore and many commercial policies are excluding exposures to specific contaminants.

Smart irrigation systems, soil quality monitoring technology and automated machinery support farmers but the economy and climate change are out of their control.

An insured is a commercial campground with a commercial general liability policy, under the class code “Campgrounds – Code 10331.” If someone gets burned by one of the campfires, is that covered?