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The Rough Notes Company Inc.

Personal Lines

    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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    REFINING AUTO RATING WITH DATA ANALYTICS

REFINING AUTO RATING WITH DATA ANALYTICS

ISO Emerging Issues Perspective By Jared Smolik REFINING AUTO RATING WITH DATA ANALYTICS New tools help insurers align premium with risk Risk factors old and new are coming into sharper focus as personal auto insurers adapt to emerging data streams and technologies. The implications could filter all the way down to the retail level, with new research leading to greater understanding and more refined pricing in two areas of growing

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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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    Rebuilding After a Loss

Rebuilding After a Loss

Rebuilding After a Loss Does your client have the right people sitting at the table? By Lisa Lindsay Home owners from California to Florida are rebuilding homes devastated during catastrophic weather- and climate-related events in 2018. Storms, fires, hurricanes, floods and tornadoes caused what the National Oceanic and Atmospheric Administration says is $90 billion in damage, decimating homes and lives. As home owners are trying to get back to some

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    EARTHQUAKE AND FLOOD

EARTHQUAKE AND FLOOD

Personal lines focus EARTHQUAKE AND FLOOD Multiple factors are shaking the markets; don’t get rattled or washed away By Dave Willis, CPIA A number of factors are influencing the personal lines earthquake and flood insurance arenas. Capacity is strong. Markets are active. And customer buy-in, although still low, is on the rise. Craig Poulton, CEO of Poulton Associates LLC, which administers the Natural Catastrophe Insurance Program, sees a long-term trend

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