Personal Lines

To mitigate the risk of an errors & omissions claim, insurance professionals need to approach offering umbrella coverage with diligence and consistency.

“I anticipate continued increases in professional liability premiums, particularly for higher-risk placements like physicians, surgeons and wound care professionals,” says independent agent Andy Clark. “These roles have become increasingly difficult to insure affordably.”

Despite growing awareness of home protection tools, most homeowners aren’t taking action. Discover how independent agents can bridge the gap and lead the charge in proactive risk prevention. 

A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.

Wildfires are reshaping the way homeowners, insurers and independent insurance agents approach property protection—and the need for adaptation is urgent.

Policyholders can choose from various deductible and co-pay options to balance upfront home insurance costs with long-term savings.