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Does Surface Water Count as a Flood?

A carrier denied a client’s property damage claim because the water was “surface water.” The property had the standard ISO special perils form, as well as coverage on a sublimit for sewer and drain backup.

Where Did All the Workers Go?

Business owners are mistakenly believing that there is a pool of workers waiting on the sidelines for something magical to happen to convince them to rejoin the workforce—that pool doesn’t exist.

Business Interruption: Special Form vs. Specified Causes of Loss

A client suffered a business income loss due to loss of internet and phone services. The service provider didn’t respond to inquiries for the reason of the loss of services, so the carrier denied the claim because it was unable to confirm the cause of los

Relocation Strategies for Insurance Agents

Whatever is prompting your desire to move, stick a pin in a map and you’ll find that almost any place is one that an insurance professional can thrive in some fashion.

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