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Personal Lines

    BURNING DOWN THE HOUSE

BURNING DOWN THE HOUSE

Personal Lines Focus BURNING DOWN THE HOUSE The recent California wildfires are contributing to a hard market, but risk management strategies can help your clients prepare for future events By Christopher W. Cook Samuel Taylor Coleridge wrote in The Rime of the Ancient Mariner “water, water everywhere, nor any drop to drink.” That may have been relevant in our previous Personal Lines Focus piece on floods, but now we’re discussing

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    PUT IT DOWN

PUT IT DOWN

PUT IT DOWN How are you making sure your clients are safe behind the wheel during Distracted Driving Awareness Month and beyond? By Christopher W. Cook April is Distracted Driving Aware- ness Month, and one insurer is pushing for hands-free laws in all50 states, as the ones that have already passed such legislation—only 21 states and the District of Columbia as of February—have seen an average 15.3% decrease in vehicle

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    BOAT INSURANCE

BOAT INSURANCE

Specialty Lines Markets BOAT INSURANCE The recreational boat market has recovered—but has changed; be prepared By Joseph S. Harrington, CPCU Boating is back, modestly overall, but in a big way for insurers and producers prepared to manage liability exposures for a growing range of risky recreational activities. Registered boat ownership in the United States rose steadily to a peak of about 13 million in 2005, but fell from 2008 through

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    YOU CAN’T HAVE IT BOTH WAYS

YOU CAN’T HAVE IT BOTH WAYS

Dig a Little Deeper By Bruce Hicks, CPCU, CLU YOU CAN’T HAVE IT BOTH WAYS Changes in residency require assessment and possible changes in coverage “Court Decisions” is a popular Rough Notes magazine feature, in part because the courtroom is where the promises made in an insurance contract often become real. Insurance professionals can develop “what if” scenarios, but until they are tested with an actual loss and a court

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    A RIVER RUNS THROUGH … YOUR CLIENT’S HOUSE

A RIVER RUNS THROUGH … YOUR CLIENT’S HOUSE

Personal Lines Focus A RIVER RUNS THROUGH … YOUR CLIENT’S HOUSE The private flood market offers alternatives to the NFIP By Christopher W. Cook “Who lives in a flood zone?” asked the instructor at an educational session I attended. Unless you live in an Ewok treehouse on the forest moon of Endor, it’s safe to say that there’s a possibility of your house flooding. And with changes to the planet’s

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