Coverage Concerns EDUCATING YOUR CLIENTS TO AVOID COVERAGE GAPS From personal inland marine and water claims to cyber exposures Encourage your clients to keep their valuables safe. This includes their homes, their autos, their possessions, and their families. By Marc McNulty, CIC, CRM Those of us who spend our time in the agency side of the industry are tasked with providing proper insurance coverage for our clients. This,
Coverage Concerns
Coverage Concerns ¿Quiere vender seguros? To do so, you may need to speak Spanish The Spanish-speaking market is not going away; in fact, it’s spreading throughout the country Hispanic consumers can be found throughout the U.S., as they have spread beyond urban centers to rural areas where they are boosting the populations and prospects of aging communities. By Joseph S. Harrington, CPCU Nestor Hugo Solari has an observation that’ll
Coverage Concerns CONSIDERING THE RISKS OF WHO IS INSURED ON BUSINESS AUTO The commercial auto policy, commonly known as business auto, is one of the most popular commercial insurance products sold in the United States due to the frequency of accidents involving commercial autos. It is now one of the most important protections for businesses and other organizations because of the target it has become in terms of liability litigation.
Many agents concede the value of credit history for predicting loss experience, and some relish how credit-based scoring has helped eliminate crude pricing tiers and multiplied purchasing options. What’s changing? THE BLACK BOX IN A BLACK BOX With lingering reservations, agents embrace credit-based scoring By Joseph S. Harrington, CPCU It’s a little hard to imagine that in 2011 the Massachusetts affiliate of the Independent Insurance Agents and Brokers of America
CONTRACTS CREATE INSURABLE CONSEQUENCES An insurance policy is a contract that creates its own operating environment. Various insuring agreements, conditions, exclusions, and definitions come together to build a little world of protection. It becomes a place where protection is triggered by a set of circumstances. Coverage extends, normally, to a small set of persons who suffer certain losses. Below is a full account of a court dispute where uncertainty arose.
