Personal Lines

Far too many art-related losses could have been prevented with appropriate risk management or a disaster preparedness plan.

An insured does not carry UM/UIM coverage on their BAP. After getting in an accident in the company car, can they file a UM/UIM claim on their PAP instead?

It may not be the easiest insurance product to convince someone to purchase, but a personal umbrella can bridge a lot of gaps in the average client’s insurance plan. Here are three signs your client may need a personal umbrella—and how to make the case.

How can you help your clients understand why purchasing a personal umbrella is worth it? Independent agent Kathy Justice starts by asking questions.

Most business owners know enough to request a business owners policy, which covers property and general liability. But commercial umbrella coverage provides more comprehensive protection against unexpected events that may cause financial ruin.

In a market driven by passion, proving your value as an independent agent requires understanding coverage nuances that could make the difference between a salvage and a total loss.

Even if you don’t know it, you probably have more than a few classic cars hiding somewhere in your standard personal lines book—and it might be time to shop them around.

New Empire Group’s new PRIME Umbrella program—designed for exposures in the apartment, community association and commercial real estate sectors—provides high commercial umbrella limits at an affordable price.

Incorrect or missing auto insurance application information costs insurers the equivalent of 10-15% of direct written premium each year. Why the decline in application integrity?

In the wake of the 2008 recession, collections are no longer just hobbies—they’re valuable assets. Are you certain your classic car clients have coverage that will protect their vehicles to their full market value?