Commercial Lines

Small businesses come in many different shapes and sizes, and their coverage needs can vary wildly—which often renders multipurpose products insufficient.

Insuring the freight transported by America’s motor carriers can be an exceptional opportunity for independent agents—but it can also lead to errors & omissions claims.

The current trucking insurance marketplace escapes simple “soft” or “hard” market categorization—it’s much more complex.

A burst city waterline causes water damage to the common area of a mall, which is insured under a proprietary Special Cause of Loss form. Can the carrier deny coverage based on the water exclusion?

Autonomous trucks are on the horizon, and the new technology they entail will hopefully improve safety. But that won’t happen any time soon—and certainly not soon enough to provide any relief to the current driver shortage crisis.

To succeed in the trucking insurance market, independent agent John Glinski III says “you either have to have both feet in or both feet out. You can’t really dabble in it.”

Employment in the mental health care industry is projected to grow up to 23% by 2026. Hiscox responds with a new tailor-made product that incorporates items geared toward the mental health care industry.

In an underwriting alliance with Huntersure, LLC, QBE brings professional liability coverage to midsize to large architectural, engineering and contractor businesses.

Tamika Mapp’s agency caters almost exclusively to childcare providers in the city that never sleeps. Why focus on such a specific niche? “There are a million independent brokers in New York City,” she says. “You really have to differentiate yourself.”

An insured food distributor has a BOP which includes equipment breakdown. When their storage facility has an ammonia leak, they turn in a food contamination claim—but can’t provide an accident diagnosis.