Personal Lines

While the hard market has cut deep into nearly every insurance market, the scale and magnitude of its impact on the bread and butter of personal lines has turned what was once a simple product into a nightmare.

Named as the Outstanding Large Agency in the 2023 Liberty Mutual and Safeco Agent for the Future Awards, WalkerHughes began developing “Violet,” the agency’s custom-built personal lines management system, in 2016.

An insured allows his employees to drive two of his personal vehicles for activities related to his auto repair buiness. Does PAP liability extend to the employees?

Powell, agency principal at Encore Insurance Group Chesterfield, Virginia, grew up cutting records and touring as an R&B artist before starting an agency in 2022.

“To me, it seems to be at the center of insuring families,” says independent agent Billy Wagner. “Our goal wasn’t just to sell policies but to facilitate informed purchasing decisions through education and simplification.”

At a time when agencies are feeling the squeeze from increasing operational costs and companies cutting commissions, solidifying relationships will help retain clients and protect income.

An insured is building a new home and plans to hire a moving company. If the moving company damages any of their personal property, is that covered under the Homeowners Policy Special Form 3?