Personal Lines

Profit and Overhead When Insureds Repair Their Own Damage; Insurable Interest in Personal Property; Covering Claims by Domestic Employees

Ace nails the question of whether or not to insure a clay tennis court installed on personal property.

I’m Your Vehicle, Baby; The Third-Party-Over Party Isn’t Over; Hitchin’ a Ride

Information provided by the Insurance Information Institute shows why a significant number of insurers issue homeowners policies with animal liability exclusion endorsements. In fact, the Insurance Services Office (ISO) has rolled out a “canine exclusion”

Home Associations: Buyer Beware; Hurricanes and a Business Income Quirk; Multiple Occurrences in Personal Lines

A presentation in late 2010 by Robert Hartwig, president of the Insurance Information Institute, included a passage indicating the historic percentage of the personal lines market written through the independent agency system. The graph is rather dismal,

Analyzing When Autos are Available; Insurance Implications of Western Wildfires; Parental Liability and the PAP

When a typical grocery store visit goes awry, Ace is left to deal with a common claim.

Learn more below on surge and lightning protection in commerical property and homeowners policies.

A New York agent asks, “I have a question concerning nonpayment cancellations of personal lines policies. An insured makes a payment by personal check on a policy that is scheduled to cancel for nonpayment of premium. The check is properly received before