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Coverage Concerns

    THE BLACK BOX IN A BLACK BOX

THE BLACK BOX IN A BLACK BOX

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

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    CONTRACTS CREATE INSURABLE CONSEQUENCES

CONTRACTS CREATE INSURABLE CONSEQUENCES

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.

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    FEELING THE LOVE, BUT NOT SHOWING IT

FEELING THE LOVE, BUT NOT SHOWING IT

FEELING THE LOVE, BUT NOT SHOWING IT Are agents and brokers coming up short as “primary care providers” to small business? By Joseph S. Harrington, CPCU Bloggers like to think that what they post will make a deep impression on readers, even though a posting amounts to a mere teaspoon in an ocean of online content. A little more than a year ago, Coverage Concerns featured a blog posting about

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    THOSE WHO CAUSE LOSSES MUST BE ACCOUNTABLE

THOSE WHO CAUSE LOSSES MUST BE ACCOUNTABLE

Those Who Cause Losses Must Be Accountable Insurance works best when a party that suffers a covered loss is fairly compensated for a loss that is eligible under a given insurance policy. Typically, such situations involve prompt notification to an insurer; quick, efficient investigation by claims personnel; and then, payment. We know that, commonly, a paid claim may not be the end. Ideally, the party that is responsible for injury

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    EARTHQUAKE INSURANCE

EARTHQUAKE INSURANCE

Earthquake insurance is a hard sell for clients who haven’t witnessed an earthquake. Other factors combine to make it even harder. What should you know to help protect clients? Earthquake Insurance When the big one happens, who will they come for? By Joseph S. Harrington, CPCU Missouri has long been known for being in the center of America, in politics and sentiment as well as location. If, therefore, the Show

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