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?
General Liability
Property & Casualty Forecast: Personal Auto to Improve, General Liability a Weak Spot
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
Personal and Commercial Lines Rates Continue to Rise in 2025
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
Game Plan: Coaching Middle-Market Clients Through a Complex Environment
In today’s tightening market, successful agents go beyond quoting—guiding middle-market clients to understand underwriting, improve their risk profile, and become accounts insurers want to write.
Is There a Coverage Gap When BAP and Umbrella Have Different Renewal Dates?
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
