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The Rough Notes Company Inc.

Personal Lines

    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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    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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