Dig a Little Deeper By Linda Ferguson, CPCU ORDINANCE OR LAW COVERAGE An important endorsement is changed to close a key gap The Court Decisions column of Rough Notes magazine and Court Cases in the PF&M Analysis, a publication of The Rough Notes Company, are popular with our readers. One reason is that the courtroom is where the promises made in an insurance contract become real. All insurance professionals can
Commercial Lines
EMERGING RISKS Scooters and shooters and drones, oh my! By Christopher W. Cook Bob Dylan said it best back in the ‘60s: “The times they are a changin.’” And as the times change, so do the risks involved with everyday life, especially as technology continues to advance. The ‘60s saw a focus on health issues linked to smoking—leading to adjusting insurance premiums based on tobacco usage—and the challenges of the
Mind the Gap By Marc McNulty, CIC, CRM SPECIAL EVENT EXPOSURES Work with your company underwriters to craft the right coverage for your clients’ events You’re an up-and-coming producer, and you’re working hard to build your book of business. So far you’ve written a nice mixture of personal and commercial accounts and are now feeling knowledgeable enough to be dangerous. The phone rings and you take a call from a
Risk Managers’ Forum By Sara Naus, CSRM THE ROLE OF WEARABLES IN LOSS PREVENTION New technologies are changing how employers protect workers and gather valuable workplace data When we think of personal protective equipment (PPE) we think of anti-slip shoes, goggles, gloves, earmuffs or plugs, and other standard—and many times mandatory—protective equipment. The idea behind providing PPE to workers is to prevent and/or lessen the impact of occupational injuries and reduce
ENVIRONMENTAL IMPAIRMENT LIABILITY The need for this important coverage continues to grow By David Dybdahl, CPCU Thanks to the underutilization of environmental insurance, every insurance agency with a book of commercial, habitational or government-owned properties has a virtually untapped potential new business opportunity in their customer and prospect base with modern environmental impairment liability (EIL) insurance. EIL responds to claims for clean-up costs, bodily Injury and property damage resulting from
