National advisory group’s new initiative addresses transformative changes in consumer risk exposures and personal automobile use For the most part, property/casualty insurers have two choices when it comes to coverage forms they use to define the promise their agents sell consumers: create company-specific forms or use standardized forms developed and maintained by an advisory organization. For years, Insurance Services Office, Inc. (ISO), was the only advisory program available countrywide for
Personal Lines
Agents explain why they place personal lines with regional carriers Rumors abound that independent agents have all but ceded personal lines business to direct writers and exclusive agency companies. Definitely not, say some members of the Rough Notes Editorial Advisory Board and their associates. Their agencies are going strong in personal lines, and they attribute much of their success to the relationships they’ve forged with regional insurers. “We represent several
Understand the differences in how jewelry and other items can be covered Mind the Gap By Marc McNulty, CIC Our Mind the Gap column previously kicked off by focusing on the ISO HO 00 03 homeowners policy limitations and exclusions that pertain to home-based businesses. While only a percentage of your clients and prospects may have that particular exposure, almost all of your clients and prospects will be affected by
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