Personal Lines

Why purchase uninsured motorist/underinsured motorist umbrella coverage when medical insurance—less deductibles and copay—would cover such a loss?

An agent’s client has their pickup truck insured on a personal auto policy, but uses it in a snowplowing business. Is this type of business exposure excluded from the PAP?

To satisfy increasing demands for flexibility among travelers, AIG Travel is taking a new approach that gives you the ability to tailor travel insurance options for clients.

Months after the #MeToo campaign began, disturbing allegations of sexual harassment are still coming to light. EPLI coverage addresses this exposure for businesses, but is there an equivalent on the personal lines side?

What’s the difference between a “valued policy” state and one that is not? Does this apply to both personal and commercial lines policies? Is it specific to named or special form perils, or to certain types of policies?

An agent’s client has a 2010 VW Jetta Diesel, which is subject to the recall/repurchase agreement related to the automaker’s diesel emissions scandal. If the vehicle is destroyed, what will the insurer’s valuation be?

‘Tis the season: Your clients could easily obtain several hundred dollars’ worth of gift cards during the holidays. What are their coverage options?

Heading into the New Year, personal auto carriers are preparing to start subtly taking rate to account for increasing frequency and severity trends. But with driverless cars just around the corner, isn’t high frequency likely to be short-lived?

To succeed in the most competitive insurance market, independent agent Mike Crowley de-emphasizes price “from the point of sale all the way through the process.”