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How should an agency prepare for an agency management system (AMS) being down for an extended period of time, such as after a catastrophe or cyberattack?

A general contractor in New York is being required by a state authority to have $1 million limit for coverage for damages to rented premises. The commercial general liability (CGL) carrier can only issue a maximum of $300,000.

A client owns a car, which is titled in her name, and gives it to her stepdaughter to drive. How should the personal auto policy be written?

A client is planning a $400,000 house renovation. Would a builders risk policy be the best option to cover the renovation, or are there specific ISO homeowners endorsements that can be added?

An insured has hired a company to demolish an old building, on which they have liability coverage, that has a common wall with the property next door.

The fire chief is a volunteer, and while volunteer activity is included in the policy, the agent believes that the position would still be excluded as a professional service.

Sometimes, policies with this endorsement are the only ones available to clients, including those with high-value historic homes. What is an appropriate disclaimer to explain this?

How do you explain how a wind or hail buyback policy works? And is a deductible applied to these types of policies?

An admitted carrier in Texas tried to nonrenew a commercial umbrella policy that was due to renew in 30 days. However, the Texas insurance code says insureds must be notified of a nonrenewal 60 days before renewal. When the agent mentioned this, the carrier said it would extend coverage for another 30 days and then…

While cleaning a water tank, a contractor accidentally left the water outlet open. Sandblast media entered the city water supply and contaminated products in a cheese manufacturing facility.