Can an Insured Make an Extra Expense Claim Without a Business Income Loss?
After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.
Commercial Lines
Rubber Hits the Road: Does a Tire Recycling Company Need Pollution Coverage?
A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.
Top 5 Most-Read Articles in Independent Agent in August
Agents wanted to know how to handle a demand to add language to a certificate of insurance (COI), as well as the top five workers compensation codes that agents get wrong.
Safe Space to Prevent Claims: Prioritizing Psychological Safety in Your Agency
Does your agency staff feel safe to admit mistakes before they become an errors & omissions claim? One of the worst E&O nightmares is someone hiding agency mail to avoid facing their mistakes.
QBE Introduces Media Liability Endorsement
The endorsement extends coverage to legal actions involving consumer protection statutes, even when claims are not tied to other perils—a risk often excluded by traditional media liability policies.
Discontinued Product Liability and Occurrence CGLs
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
Communication Key to Retaining Small Commercial Accounts as Premiums Rise
Small commercial customers are more likely than ever to consider moving their business to another insurer at renewal, according to J.D. Power.
Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
Reimbursement for Evacuation Costs: Help Clients Understand This Coverage
With ongoing wildfires in the West and an above-average Atlantic hurricane season predicted, it’s essential for independent insurance agents to educate clients on how their policies can cover evacuation-related expenses.
Top 5 Workers Comp Classification Codes That Agents Get Wrong
Inaccurate coding can be a costly mistake. Here are the workers comp class codes that are most frequently reclassified by The National Council on Compensation Insurance (NCCI) and what to use instead.
