Specialty

A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.

Help tree care clients stand out in the eyes of an underwriter by taking submissions beyond the basics.

The endorsement extends coverage to legal actions involving consumer protection statutes, even when claims are not tied to other perils—a risk often excluded by traditional media liability policies.

As schools and other entities consider policies that limit or ban cellphone use, agents can offer risk control guidelines that might help avoid a claim.

A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?

The policy offers coverage limits up to $5 million per location, as well as options covering additional activities modern warehouse operations encounter, including the handling, repacking and processing of stored goods.

With adverse impacts from social inflation, litigation funding and heightened safety expectations, the public entities insurance market is in a hard market with increased premiums and reduced limits.

From escalating property premiums to increasing liability costs, social inflation and litigation funding, public entities have to continually refine how they manage their unique exposures.

If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.

“The core value of lending a helping hand and never being too busy to help a producer … is everything I want in a mentor, especially as a guy that didn’t go to school for insurance,” says young agent Jackson Doyle.