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Commercial Lines

    ISO CANNABIS ENDORSEMENTS ARRIVE

ISO CANNABIS ENDORSEMENTS ARRIVE

ISO CANNABIS ENDORSEMENTS ARRIVE Variations in carrier adoption will demand agent and broker diligence By Linda Ferguson, CPCU The Insurance Services Office’s (ISO) first cannabis endorsements have arrived. Up until now, ISO’s commercial lines forms had not addressed the topic of marijuana, and for good reason. The federal government bans the use of marijuana and classifies it as a Schedule 1 substance. That, according to the Drug Enforcement Administration, means

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    ORDINANCE OR LAW COVERAGE

ORDINANCE OR LAW COVERAGE

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

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    EMERGING RISKS

EMERGING RISKS

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

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    SPECIAL EVENT EXPOSURES

SPECIAL EVENT EXPOSURES

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

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    THE ROLE OF WEARABLES IN LOSS PREVENTION

THE ROLE OF WEARABLES IN LOSS PREVENTION

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

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