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The Rough Notes Company Inc.

Personal Lines

    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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    IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND?

IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND?

Dig a Little Deeper By Bruce Hicks, CPCU, CLU IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND? Know whether your client’s defense costs are inside or outside policy limits The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason is that the courtroom is where the promises made in an insurance contract often become real. All insurance professionals can develop “what if” scenarios,

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    CLAIMS AND TECHNOLOGY

CLAIMS AND TECHNOLOGY

Personal Lines Focus CLAIMS AND TECHNOLOGY Tech companies’ platforms help make the claims process more efficient By Christopher W. Cook There are over 100 roundabouts in Carmel, Indiana, where The Rough Notes Company is located. Deemed safer than four-way stops or traffic lights, these circular structures still have their share of accidents, and that means insurance claims. From the initial contact to the inspections, photographs, analysis and reports, the claims

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    ORDINANCE OR LAW COVERAGE

ORDINANCE OR LAW COVERAGE

Mind the Gap By Marc McNulty, CIC, CRM ORDINANCE OR LAW COVERAGE You need to be able to explain—and sell—this important protection Ordinance or law. We’ve all heard of the coverage, but how many of us actually know how it works? As the name suggests, it has something to do with regulations and building codes … but can you explain it to a client? More important, can you explain it

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    NEW AND EMERGING PRODUCTS

NEW AND EMERGING PRODUCTS

NEW AND EMERGING PRODUCTS It’s not just insurance anymore By Joseph S. Harrington, CPCU More and more, you’ll find that new “insurance products” from commercial lines  carriers and intermediaries include more than insurance. Indeed, insurance may not even be essential. With abundant capacity and soft pricing in most lines, markets find that policy features alone rarely provide the payback they’re seeking in terms of market penetration and profit. Increasingly, they

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