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Commercial Lines

    ENVIRONMENTAL RISK: WHAT YOU DON’T KNOW WILL HURT YOU

ENVIRONMENTAL RISK: WHAT YOU DON’T KNOW WILL HURT YOU

Risk Management A general liability policy alone probably won’t clean up the mess In a town just outside Grand Rapids, Michigan, an environmental disaster—one that goes back to the 1960s—is unfolding.  Wolverine Worldwide, well known for brands like Hush Puppies and Stride Rite, has been accused of turning a blind eye to an old toxic dump that has polluted the groundwater, resulting in sick people and diminishing property values. The

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    TRUSTS, TRUSTEES, EXPOSURE IDENTIFICATION, AND INSURANCE REMEDIES

TRUSTS, TRUSTEES, EXPOSURE IDENTIFICATION, AND INSURANCE REMEDIES

Risk Managers’ Forum Agents can play a key role in protecting their clients’ trusts Estate planning trusts are creating new risk finance challenges for both personal and commercial lines clients. Simply put, a trust—a tool used in estate planning—creates a fiduciary relationship concerning specific property. Trusts typically are formed when someone (the trustor or settlor) transfers legal title to property to another (the trustee), with direction for the latter to

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    THE RISK OF DISTRACTED DRIVERS

THE RISK OF DISTRACTED DRIVERS

Risk Management Help your clients establish safe practices for their drivers According to the Centers for Disease Control and Prevention, every day in this country an average of nine people are killed and more than 1,000 are injured in crashes that are reported to involve a distracted driver. When advising our clients, we need to make sure our own house is in order. We should have a distracted driving policy

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    UTILITY SERVICES AND EQUIPMENT BREAKDOWN COVERAGE

UTILITY SERVICES AND EQUIPMENT BREAKDOWN COVERAGE

Mind the Gap Understand property endorsements to better serve your clients It’s easy for new producers to become overwhelmed with all the property endorsements that are offered by insurance companies. Spoilage, peak season, additional debris removal, inflation guard, ordinance or law—the list goes on and on. Some of these endorsements are easy for a client or prospect to reject because they understand the coverage and believe that they don’t have

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    TO LOWER THE CLAIMS, LOWER THE LADDERS

TO LOWER THE CLAIMS, LOWER THE LADDERS

Risk Managers’ Forum Using alternative devices can decrease claims and claim severity It is no secret that, by working to help them improve loss experience, agents and brokers can deliver superior value to insureds. Better loss experience opens the door to more markets to choose from and more latitude in pricing and credit; and forms and endorsements are more negotiable, especially when tighter markets or more challenging risk factors are

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