Personal Lines

Industry trends suggest smaller agencies are more likely to be personal lines-dominant. Here’s why that isn’t always the case—and how agents are writing personal lines into their long-term plan.

Insurance Services Office filed 30 changes to its personal auto policy program effective Sept. 1, 2018. Over a year later, most carriers have adopted the new language. How well do you understand the changes ISO made to the base PAP form?

In a market dominated by captives, The Canopy Group converts 1,500-plus new personal lines clients per year. The strategy: Educate consumers about the advantages of independent agents.

Taylor Insurance Agency gave Lynn Salinas her first part-time job when she turned 16. Nearly four decades later, Salinas runs the only business she’s ever worked for—if you don’t count the family beef farm where she was raised.

The named insured on an HO3 policy dies but has an adult child who had been living with them for over a year. How does the named insured’s passing affect coverage for the resident relative?

The average recovery time for roof repairs after a sever hailstorm is more than five months, which exacerbates the issues hail poses to property owners.

Today, employees want their financial protection to fit their unique family situation, income, short- and long-term debt and savings—which means a one-size-fits-all approach to life insurance simply doesn’t cut it.

An insured’s nanny uses her personal car to transport his children. Will the insured’s personal auto policy provide the nanny with any coverage while she is working?

After a tough couple of years, personal auto insurance rates finally started leveling out in 2019. But given the rise of distracted driving, could that stability be short-lived?

Between 2012 and 2016, personal auto claim frequency and severity increased, which pushed rates up. But over the last six to 12 months, the personal auto market demonstrated solid rate moderation.