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With its new and improved commercial umbrella form, Liberty Mutual offers clarity to the complex world of umbrella and excess insurance.

What does an insured give up if they opt out of both workers compensation and employers liability coverage?

For many, achieving great wealth is the pay-off of a long-term plan and the result of careful, calculated steps. But what happens when that plan is accelerated—or totally unexpected?

The importance of data privacy is at an all-time high, and there are no excuses for getting it wrong. As the entire insurance industry embraces the cloud, independent agents must work harder to understand data privacy.

The equine market may finally be leveling out, which is good news for agents who are hoping to sell more equine in 2018. Here are four ways to make it happen.

Independent agent Marnye Langer launched her equine-focused agency in 2010. “Right at the time we entered the market, some significant changes were happening in terms of underwriting practices and pricing,” she says.

The product offers coverage and services to help businesses overcome the significant challenges resulting from a cyberattack, including data privacy and network security, media, ransomware, and business interruption.

Would an endorsement need to be added to an umbrella policy to prove that it includes primary and noncontributory provisions?

Small businesses come in many different shapes and sizes, and their coverage needs can vary wildly—which often renders multipurpose products insufficient.

Here are 22 real-world examples where managers have created self-imposed limitations on the health and growth of their team by misbranding people.