Commercial Lines

Changes in health care are happening too rapidly for independent agents to assume the status quo for medical professional liability clients at renewal time.

Employees dropped and damaged a couch when moving it between buildings. The carrier says that the couch is not covered under the motor truck cargo policy once it has left the truck.

Coverage includes general liability and professional liability up to $2 million limits, $5 million per location and $10 million total limits.

Many businesses are cautious heading into the economic headwinds of a recession and may drop coverage to save money, making selling EPLI even more challenging.

“Not all EPLI policies are created equal,” says independent agent Christopher Paradiso. “It is so very important that we can educate our clients to make sure we are helping them make the best decision with the right carrier.”

Employers continue to deal with EPLI concerns relating to the impact of COVID-19, as well as increased legislative activity at both the state and federal level.

Adroit General Agency provides coverage for larger mid-market employers with high-severity workers compensation exposures.