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The Rough Notes Company Inc.

Personal Lines

    Home Sharing: Exposures and Solutions

Home Sharing: Exposures and Solutions

ISO Emerging Issues Perspective Your clients who participate in home sharing likely will need coverage enhancements Although the concepts of sharing vacation rentals and carpooling—and their mutual benefits—go back many years, advancements in technology have turned these ordinary routines into a multi-billion-dollar sharing industry. In response to that growth, lawmakers and insurance companies have become aware of potential risks and exposures that can develop. Local governments, for example, have stepped

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    NEW DESIGNATION TAKES OFF

NEW DESIGNATION TAKES OFF

CPRIA certification addresses the changing high-net-worth segment When insurance professionals endeavor to attract young people to the industry, they usually point out that, as with the medical field, people will always need insurance. Thus, job security. Unfortunately, the young people often counter with, “But it’s a dull profession.” Again—like medicine, the insurance industry is ever-changing, as new exposures appear on the horizon. Think cyber security or drones—or high net worth.

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    MANAGING RISK FOR HIGH-NET-WORTH CLIENTS

MANAGING RISK FOR HIGH-NET-WORTH CLIENTS

High-techtools help clients protect their valuable property The very rich, as 1920s novelist F. Scott Fitzgerald sagely observed, “are different from you and me.” The ways in which they differ are many and varied; for example, with the possible sole exception of Warren Buffett, who still lives in the modest house he purchased in the 1960s, wealthy individuals are likely to dwell in large and often elaborate residences. What’s more,

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    Focus on RECREATIONAL BOATING

Focus on RECREATIONAL BOATING

A strong dollar and low interest rates, fuel prices, and unemployment spell good news for the recreational marine business The tide has turned for the recreational boating industry. In 2016, the number of new powerboats sold in the United States increased by almost 7%, according to the National Marine Manufacturers Association (NMMA). The organization estimates that annual sales of boats, marine products, and services in the U.S. will have grown

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    THE HOMEOWNERS POLICY AND TOTAL LOSS ISSUES

THE HOMEOWNERS POLICY AND TOTAL LOSS ISSUES

Mind the Gap Develop accurate replacement cost estimates and know the policies if your clients choose not to rebuild We previously explored the limitations in the homeowners policy pertaining to home-based businesses, as well as special items such as jewelry. This month we are going back to the basics and reviewing what happens in the event that your client suffers a total loss to his or her home. Questions we

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