Liquor liability coverage can be difficult to place, particularly if the account is considered a high-hazard operation, if there is a loss history, or if there is little to no prior insurance coverage.
As liquor liability premiums rise and coverage options shrink, agents can help clients navigate a complex market.
Making sure clients clearly understand what is and isn’t covered can help prevent potential errors & omissions claims and reduce the likelihood of client dissatisfaction if a claim occurs.
Economic pressures and volatility are challenging agents in the personal marine market amid shifting risk appetites and capacity constraints.
For agents, the right managing general agent (MGA) partnership means access to markets and products that may not be found elsewhere.
The shifting environmental landscape creates both challenges and opportunities for agents, who must stay informed about specialized coverage while helping clients close potentially costly gaps.
As environmental regulations change, environmental liabilities remain a long-term concern for businesses, making education and proactive risk conversations even more important.
April delivered must-read insights for independent agents, including the retirement of the Safeco brand, hurricane season outlook and member recognition at the 2026 Big “I” Legislative Conference.
The special events market has evolved since the coronavirus pandemic, as attendees now have new expectations for events, pushing organizers and the insurance industry to do more.
For agents operating in the market, it’s imperative to understand the transformation that has taken place since the coronavirus pandemic, including changes to event formats, event planning, and audience expectations.
