Personal Lines

From the Front Lines: Commercial Auto

Independent agent Steve Shoultz started Priority Risk Management from scratch 13 years ago—and he tries to cross-sell commercial auto whenever he can. “It’s much more difficult to find a qualified driver now because the economy is good and there’s high em

9 Signs Your Client Needs Higher Commercial Umbrella Limits

After a cat-heavy year, many commercial lines are gearing up for significant rate increases. But commercial excess isn’t necessarily one of them—which makes it a good time to have a conversation about changes in these insureds’ operations.

From the Front Lines: Commercial Umbrella

Before moving into insurance, Jeffrey W. Howard was an accountant. “In the public accounting world, you find a lot of issues with a company, but because of your required independence, you’re not allowed to consult and help fix that. That really irked me,

Family-Owned Autos: Who’s Covered?

A 20-year-old daughter, who owns a car registered in her name, goes home for Thanksgiving. Her 16-year-old brother drives her car to the grocery store and is involved in an accident. Is he covered under his parents’ BAP?

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