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?
General Liability
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?
Top 5 Most-Read Articles in Independent Agent in July
July started with a bang as the Big “I” secured important wins for independent insurance agencies in the “One Big Beautiful Bill.” And despite mixed results for the property & casualty market, the Big “I” 2025 Market Share Report, showed the independent agency channel is holding steady.
How to Handle Demands to Add Language to a COI
An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.
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.
Products-Completed Operations Coverage for a Closed Business
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
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.
3 Ways Agents Can Help Small Businesses Become Better Risks
Agents can help find a way to deliver comprehensive protection and streamlined service to small businesses that face unique challenges.
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.
