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Commercial Lines

    SEPARATED BY A COMMON LANGUAGE

SEPARATED BY A COMMON LANGUAGE

Coverholders and Risk Takers Terminology from across the pond and spreading the word about Lloyd’s George Bernard Shaw once famously observed: “The United States and Great Britain are two countries separated by a common language.” Domestic insurance professionals who deal with the London marketplace can certainly attest to the accuracy of that statement. Some of the nomenclature used by our friends across the pond may sound foreign to U.S.-based agents.

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    EFFECTIVE COMMUNICATION: A MUST FOR RISK MANAGERS

EFFECTIVE COMMUNICATION: A MUST FOR RISK MANAGERS

Risk Managers’ Forum Techniques to avoid communication impasses The professional life of a risk manager is largely about exposure identification and treatment of both downside and upside risk. While some parts of the risk management process are too complex to be spread throughout the organization, there are other areas where all employees can (and should) be asked to contribute their insights and observations. As the contributions made by other employees

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    DOES CGL COVER ON-THE-JOB INJURY?

DOES CGL COVER ON-THE-JOB INJURY?

Dig a Little Deeper Exploring the employers liability exclusion Court Decisions is one of the most popular features of Rough Notes magazine. One reason may be that the courtroom often is where the paper promises made in an insurance contract become real. All insurance professionals can develop “what if” scenarios, but until those scenarios are tested with an actual loss and a court decision, they remain mental exercises. In this

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    CYBER LIABILITY: VITAL COVERAGE FOR EVERY CLIENT

CYBER LIABILITY: VITAL COVERAGE FOR EVERY CLIENT

Ransomware, extortion, and social engineering are on the rise—be sureyour clients are protected When advising a client, nothing is more daunting for an insurance professional than trying to explain an insurance concept that is not widely understood. This challenge confronts agents and brokers who need to persuade risk managers and business owners of all sizes to recognize the importance of maintaining effective cyber liability insurance. A good policy will pay

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    CYBER LIABILITY COVERAGE (AND PROCEDURAL) GAPS

CYBER LIABILITY COVERAGE (AND PROCEDURAL) GAPS

Mind the Gap Be alert for coverage pitfalls and be sure your clients are appropriately protected Although data breaches are becoming increasingly commonplace, many small business owners still believe that cyber criminals would prefer to go after large companies such as Target, Home Depot, and Equifax. Knowing how criminals conduct their business is just as important as understanding the insurance needed to remedy data breach situations. They couldn’t be more

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