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    BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY

BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY

To The Point By Mary Ann Cook BAD FAITH REFORMS AND AUTO INSURANCE AFFORDABILITY Personal auto insurance affordability is a major issue for Florida drivers and insurers Florida is the second least affordable state in the country for auto insurance, according to the Insurance Research Council (IRC), a division of The Institutes. A recent IRC report found that the average household in the state spent 2.45% of annual household income

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    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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