Personal Lines

Don’t let demographic headwinds stall your agency’s growth—face them head on by helping clients deal with longevity risk.

“We live in paradise,” they say. As the western-most point on the Eastern Seaboard, it’s protected from most hurricanes. However, the agency still weathers the buffeting those storms cause in the state’s insurance market.

The gig economy is taking the U.S. employment market by storm and affecting how the insurance industry insures workers, their property and other liabilities.

After a rough ride in 2018 and 2019, the commercial auto market is continuing to harden, with more rate increases, stringent underwriting and greater scrutiny on renewals.

It’s crucial to educate commercial auto clients because “when there’s a loss,” says independent agent Sam Artino, “you’re not thinking about how much you paid, you’re thinking about how much coverage you have.”

Property not cared for appropriately can result in costly claims down the line. Here are some surprising statistics about the top things homeowners do and don’t do that destroy their homes.

By facing difficult conversations head-on, agents can dig deeper into a client’s life goals and build solutions that set them up for life-long success.

The endorsement provides an added layer of wildfire protection by giving customers access to loss prevention services, such as taping vents, applying fire retardants and setting up sprinklers.

An insured’s condo has damage to the roof and skylight. The condo association is saying they’re responsible for the roof but the unit owner is responsible for the skylight.

The insurance industry’s transparency makes gathering information as straightforward as pulling the rate filings. What can you learn from this information?