Is 3rd Party Damage Due to Mechanical Failure Excluded from a PAP?
A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.

A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.
Here’s what it would have cost the McCallisters to leave Kevin behind for Christmas in the ’90s holiday classic “Home Alone.”
The recent trend of rising liability injury claims for home and auto owners that exceed traditional policy limits has moved Mercury to unveil an all-new personal umbrella insurance policy.
Central to building a long-lasting relationship with personal auto clients is communicating what is happening in the marketplace and discussing what’s coming down the pike.
Off-roading season is here, so many customers will need off-road vehicle coverage. The problem is they often don’t know they need it. Here’s how to help them understand why they do.
Despite all the pressures of the hard market, independent agents who are willing to take the initiative will find opportunities and grow their books of business.
Rising premiums are impacting personal auto clients, who are searching for ways to curb their expenses—including driving without coverage.
“Personal lines insurance is a fundamental part of modern life and is vital in safeguarding individuals, families, property and their wellbeing,” says independent agent John Deichl. “It is complex, ever-changing, technology-driven and way more interesting
Winter brings off-roading season and an opportunity to position yourself as a trusted advisor. Here are some common mistakes that customers make when insuring their vehicles.
An independent agent can provide the benefit of their knowledge and expertise to ensure their clients are adequately covered during a home renovation or remodeling.