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Personal Lines

    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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    TRANSPORTATION NETWORK GAPS

TRANSPORTATION NETWORK GAPS

Mind the Gap Coverage gap solutions for clients who drive for ridesharing services The last thing you want to do  is speak with a new prospect or client and assure them that you can properly address their  ridesharing exposure—only to find out  that you can’t. After spending some time examining homeowners policy coverage gaps, we will now shift our focus to the personal auto policy. Specifically, we will address coverage

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    AAIS UNVEILS NEW FORMS, RULES FOR INSURING STANDARD AND PREFERRED DRIVERS

AAIS UNVEILS NEW FORMS, RULES FOR INSURING STANDARD AND PREFERRED DRIVERS

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

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    RAVES FOR REGIONALS

RAVES FOR REGIONALS

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

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    Homeowners Special Limits of Liability

Homeowners Special Limits of Liability

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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