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The Rough Notes Company Inc.

Coverage Concerns

    Farm and Ranch Exposures

Farm and Ranch Exposures

OLD MACDONALD HAS A FARM (E-I-E-I-O)—OR DOES HE? A look at farm and ranch best practices and exposures   By Christopher W. Cook It was easy to come up with a title for an article on farm and ranch insurance, considering that “Old MacDonald Had a Farm” is a go-to song for comforting my (while I write this) 18-month-old son during car rides. After three or four rounds of repeating

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THE NEW HO-14

    IS THE NEW HO-14 BETTER THAN THE HO-4? New exposures require a “facelift” of the Homeowners Program     By Dustyne Bryant, MBA, CIC, CISR [I]nsurance professionals know that when new coverage forms are thrown into the ring, the critical lesson is to ensure that we understand the new form, its coverages, and its exclusions thoroughly. The Insurance Services Office (ISO®) announced in 2021 that multi-state filing changes

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COMMERCIAL CRIME COVERAGE—PART ONE

Mind the Gap COMMERCIAL CRIME COVERAGE—PART ONE A look at the coverages on the ACORD 141 Crime Section application   Not only are there a lot of coverages from which to choose, … the terminology may not be consistent across your carrier lineup. By Marc McNulty, CIC, CRM If you’re new to the insurance business, you may find yourself relying on ACORD applications to assist you with offering certain types

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    EMBEDDING THE NEED TO SAY “NO.” OR NOT

EMBEDDING THE NEED TO SAY “NO.” OR NOT

Coverage Concerns EMBEDDING THE NEED TO SAY “NO.” OR NOT  Embedded insurance is not really new, but it’s re-emerged with new capabilities  [I]t’s telling that embedded insurance has had its biggest impact on insurance for property and vehicles being shared or rented, transactions that do not involve long-term relationships. By Joseph S. Harrington, CPCU If you’re old enough, you’ll remember a dramatic announcement from April 1998: Citibank and Travelers Insurance

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    THE MISSING MANDATE THAT MAY NOT BE MISSED

THE MISSING MANDATE THAT MAY NOT BE MISSED

THE MISSING MANDATE THAT MAY NOT BE MISSED The demise of the individual mandate has not disrupted health insurance markets (at least not yet) QUOTE: Whatever its value as a market stabilization measure, there is no doubt the individual mandate was essential to getting private health insurers to support a bill making coverage available to all applicants … . By Joseph S. Harrington, CPCU  Personal lines agents who sell health

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