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The Rough Notes Company Inc.

Personal Lines

    NOT YOUR FATHER’S AUTO RISKS

NOT YOUR FATHER’S AUTO RISKS

Agents must understand the programs available to their customers through the companies they represent Over the past decade or so, several so-called disruptive forces have affected the personal auto insurance market. Among them: telematics and usage-based insurance products, which ushered in new ways for insurers to collect, develop, and use large volumes of refined, driver-focused data to assess and price risk more accurately. On the heels of this wave came

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    RECIPROCAL RELATIONSHIPS: A FRESH APPROACH TO THE HIGH-NET-WORTH MARKET

RECIPROCAL RELATIONSHIPS: A FRESH APPROACH TO THE HIGH-NET-WORTH MARKET

ARTful Measures PURE redefines the insurer-policyholder connection Overall, the insurance industry has enjoyed a good relationship with the public for the past 300-plus years. Many commercial activities would have been curtailed had it not been for insurers being willing to assume some of the risk. This relationship, however, has not always been a match made in heaven. In 1881, six New York- based dry goods merchants expressed discontent with insurers’

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    RENTAL VEHICLES AND THE PERSONAL AUTO POLICY

RENTAL VEHICLES AND THE PERSONAL AUTO POLICY

Mind the Gap Is additional coverage needed when renting a car or moving truck? This month we will explore the personal auto policy and answer questions that all personal lines producers and account managers will be asked over the course of their careers: “Does my policy cover rental cars?” and, “What about coverage for moving trucks?” You might think these questions are fairly basic and easy to answer; however, you

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    PERSONAL LINES FOCUS: UMBRELLAS

PERSONAL LINES FOCUS: UMBRELLAS

Remember, your clients don’t need to be millionaires to be sued like one Personal umbrellas. Those of us in the insurance business know about them. Many of us probably own one. And, if we sell insurance or help personal lines clients manage risk, we know the important protection role they can play. But there’s a disconnect somewhere. “Most consumers have never even heard of an umbrella,” explains Daina Kawchack Smith,

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    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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