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Neptune Flood Expands Coverage to Include All NFIP Classes

Neptune Commercial Flood Insurance expands its flood insurance products to include all NFIP product types. Products include residential condominium building associations, apartment buildings, co-ops, hotels, motels and inns.

Home-Based Business: Coverage for a Separate Structure Used for Work

An insured works in a former guesthouse—that has a garage for personal storage—adjacent to their home. Is the structure covered under their homeowners policy? If the agency doesn’t disclose business use, would the carrier potentially decline the claim?

1 in 3 US Homes Exposed to High Natural Hazard Risk

Data shows 35 million U.S. homes are exposed to high natural hazard risk levels, according to CoreLogic’s 2020 Catastrophe Report. And while the report looks at severity and frequency of damage caused by seven natural perils, it points to rising flood wat

Subrogation: Giving Insureds a Competitive Advantage

Subrogation, recovering sustained damages from a negligent party, is an often-overlooked service to secure customer retention and reduce risk. Here are three ways to help clients maximize their subrogation recoveries.

Hit the Road: 3 Ways to Give Truckers Value for Money

While hard market conditions continue within the trucking industry, clients continue to shop around for better rates. Here are three ways to assist clients in getting the best rate and coverage to meet their needs.

From the Front Lines: Special Events

“I’m starting to see more people buy these special event policies for even regular parties,” says independent agent Phillip Lewis. “I think consumers today have more of a mindset that they don’t want to be responsible for any exposure from an event, even

4 Invaluable Product Liability Coverages

Clients may look to reduce coverage with product liability market pricing expected to continue hardening in 2021. Here are four coverages agents should consider offering to ensure their clients are adequately insured.

How to Set Your Commercial Clients Up for Success in 2021

Agents should continue demonstrating high levels of agility and work with carriers to help commercial clients through the unique challenges this year will bring. Here are three ways to set your commercial clients up for success.

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