Specialty

As some companies physically reopen and look to have employees return to work in some form or other, there are numerous logistical matters to consider.

“Contractors pollution liability terms and pricing continue to remain competitive, but site pollution liability is another story,” says independent agent Bill Howard. “Markets are certainly more conservative and carriers are offering short-term policies.”

The advent of environmental, social and governance (ESG) programs has created opportunities for agents as the information for evaluating such risks is more readily available.

Technological improvements make taking to the water safer. Such modernization brings a variety of boat insurance considerations for agents and clients.

“Seek out an agent that specializes in personal marine insurance and learn the business,” says independent agent Roger Beale. “In a marine policy, one line removed out of the policy can change the coverage.”

From hurricanes to lightning strikes, extreme weather events can lead to significant financial loss if a boater is not adequately prepared or insured.

The insurance industry continues to struggle to keep up with the swift pace of marijuana legalization. Here’s what agents should consider with legalized cannabis and home, life, auto and health insurance.

Become the customized service aficionado that clients in this niche market are looking for.

“Horse insurance is unique in that it involves both a significant financial and emotional investment,” says independent agent Laura Connaway. “The bond our customers have with their horses is very special, so when a horse is ill or injured, it can be a ve

Galloping back from the coronavirus pandemic’s negative impacts, the equine insurance industry has benefited from factors including greater risk awareness and demand for outdoor activities.