Personal Lines

Insurers are hesitant to include cyber liability coverage in personal lines policies—but that doesn’t mean your personal lines clients should remain unprotected.

Most people tell recent college grads to dream big. But are you helping them understand the risks that can get in the way of those dreams?

With New Empire Group as its MGA partner, Crum & Forster now writes a national real estate excess liability program offering high limits at significantly lower premiums than standalone umbrellas.

If your clients don’t think they have assets worth suing for, they should reconsider. Here’s why they need a personal umbrella policy.

Starting with the words “Affordable Care Act,” the life-health insurance marketplace has never been the same. Make sure your agency positions itself to take advantage of three trends shaping the market.

An independent contractor uses his own pickup truck to service residences and businesses. His PAP includes coverage for business use, but does he need a commercial auto policy instead?

In a market ripe for disruption from not only direct writers slashing prices but also newcomers like Goji, Coverhound and autoinsurance.com, independent agents must change their strategy in order to maintain a competitive edge.

Some argue that personal auto insurance has become a commodity. But independent agent Samuel Bennett emphasizes coverage, not price, as the “beginning, middle and end” of conversations with clients.

As people enter different stages of their lives, independent agents should be poised to highlight how life insurance should play a role. Keep these various life events in mind when selling supplemental life insurance policies to your clients.