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Commercial Lines

    MAJOR CHANGES COMING WITH ISO CGL ENDORSEMENT FILINGS

MAJOR CHANGES COMING WITH ISO CGL ENDORSEMENT FILINGS

MAJOR CHANGES COMING WITH ISO CGL ENDORSEMENT FILINGS Endorsements effective in December should lead insurance pros to search out potential coverage gaps By Linda D. Ferguson, CPCU Anticipated but unusual events attract attention. The solar eclipse over the  Midwest resulted in major traffic jams in Tennessee. News of Super Bowl Sunday, the return of Halley’s comet and a Rolling Stones tour are sure to attract attention. Similarly, the Insurance Services

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    COMMERCIAL LINES CLIENTS NEED SOME LOVE, TOO

COMMERCIAL LINES CLIENTS NEED SOME LOVE, TOO

Blasted Myths By Carl Maerz COMMERCIAL LINES CLIENTS NEED SOME LOVE, TOO For the most part, better engagement with business customers calls for a good amount of personal and relevant communication I’m going to bust this myth right from the get-go. Insurance agencies should be communicating with their commercial lines clients, just like with personal lines ones. Business owners are people, too. There is an important relationship between an insurance

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    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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