Top 5 Most-Read Articles in Independent Agent in August
Agents wanted to know how to handle a demand to add language to a certificate of insurance (COI), as well as the top five workers compensation codes that agents get wrong.

Agents wanted to know how to handle a demand to add language to a certificate of insurance (COI), as well as the top five workers compensation codes that agents get wrong.
Small commercial customers are more likely than ever to consider moving their business to another insurer at renewal, according to J.D. Power.
If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.
Agents can help find a way to deliver comprehensive protection and streamlined service to small businesses that face unique challenges.
“Most insurance companies consider general liability the cornerstone line of business for an account,” says independent agent Brad Berrong. “Normally, if a company does not consider this type of exposure, it will not accept other lines of insurance for that account.”
Consumer litigation activity continues to impact the market adversely, with third-party funding driving additional litigation costs, higher settlements and higher premiums.
With factors such as an aging workforce and economic fluctuations pushing material and wage costs higher, agents can help their clients purchase adequate builders risk coverage.
Cybercriminals are using artificial intelligence (AI) to make phishing harder to detect. Here are four security practices that small and midsize businesses can use to protect their organizations.