WORKERS COMP AND COVID-19 Agents should be looking at premium audits with great care By Dennis H. Pillsbury Unfortunately, employment and the economy have taken serious hits due to the pandemic. As of this writing in early December, there are still approximately 20 million Americans who are unemployed and, although this represents an improvement from the early days of the pandemic when a shutdown of the economy occurred, all agree
Commercial Lines
Mind the Gap By Marc McNulty, CIC, CRM LESSER-KNOWN ENDORSEMENTS: PART ONE A look at commercial property and crime coverage endorsements It’s impossible for producers who are new to the industry to soak up all the knowledge needed to propose comprehensive programs to their prospects; there simply aren’t enough hours in the day. Honestly, that’s one of the reasons I love the insurance industry: Just when you start to think
Dig a Little Deeper By Dawn Jackson, AU, AINS LUNCHTIME SLIP AND FALL Is employee on scheduled break covered by workers comp? The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason is that the courtroom is often where the promises made in an insurance contract become real. All insurance professionals can develop “what if” scenarios, but until those scenarios are tested with
CAPTIVES FOR COMP An expert weighs the pros and cons of this strategy and discusses the pandemic’s impact on comp coverage By Elisabeth Boone, CPCU Amid the turmoil brought on by the COVID-19 pandemic, high unemployment, and the murder of George Floyd, businesses continue to seek ways to deal with ongoing and new challenges. One of these is workers comp insurance, and an expert in that field is Frank Pennachio,
Mind the Gap By Marc McNulty, CIC, CRM DUTIES AFTER LOSS Are your clients aware of their policy conditions? It’s common for agents who are new to the industry to get into the groove of speaking with prospects, discovering their exposures, and attempting to solve their issues with a comprehensive insurance plan. In fact, you might even talk about policy exclusions as part of the process. But do you ever
