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The Rough Notes Company Inc.

Commercial Lines

    Not All BOPs Are Created Equal

Not All BOPs Are Created Equal

Mind the Gap Understanding how company-specific versions of forms deviate from ISO’s So far our Mind the Gap column has focused on personal lines issues and coverage gaps for young agents and/or those who are new to the industry. This month we’ll take a detour and venture into the world of commercial lines insurance. Specifically, we’ll explore issues related to the businessowners policy (BOP), which is the commercial lines equivalent

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    D&O INSURANCE: PROTECTING BUSINESS “ELITES” ACROSS NATIONAL LINES IN A POPULIST AGE

D&O INSURANCE: PROTECTING BUSINESS “ELITES” ACROSS NATIONAL LINES IN A POPULIST AGE

A new administration poses fresh challenges for D&O carriers and their insureds “Yankee, stay home!” In light of recent political developments, directors and officers of U.S. corporations might be inclined to take that imperative as good advice. The British referendum vote to leave the European Union, Donald Trump’s election as president of the United States, and the rise of nationalist political parties in Europe all share a common driver: popular

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    REFINING RISKS: COMMERCIAL INSURANCE IN THE ENERGY SECTOR

REFINING RISKS: COMMERCIAL INSURANCE IN THE ENERGY SECTOR

ISO Emerging Issues Perspective Robust data is an essential underwriting tool In a sector rife with market volatility and other unknowns, Big Oil often carries outsized exposures. Unlike general property insurance for commercial enterprises, where the law of large numbers sharpens underwriting for more than 5 million buildings, data on the roughly 135 oil and gas refineries operating in the United States is relatively slim. The energy insurance market is

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    THE EMERGING RISKS OF ROBOTICS IN THE WORKPLACE

THE EMERGING RISKS OF ROBOTICS IN THE WORKPLACE

Risk Management Caution: Maintain a respectful distance When I was a young boy, I loved the TV show Lost in Space. The family had a robot that was a trusted companion to their son, Will Robinson. The robot was famous for saying, “danger, danger” and waving its mechanical arms whenever it detected a threat. Fast forward 50 years and robots are becoming more and more a part of our lives

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    SAY NO TO TERMINAL BUSINESS INTERRUPTION

SAY NO TO TERMINAL BUSINESS INTERRUPTION

Risk Management Forewarned is forearmed Imagine you are sound asleep, your phone rings and the person on the line says, “Your business is on fire.” That’s the call the owners of Allegan Metal Finishing got in March 2015. The family-owned business that started in 1958 was burning to the ground, putting more than 80 employees out of work and no longer able to provide for their families. They all went

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