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Personal Lines

    PERSONAL CYBER COVERAGE

PERSONAL CYBER COVERAGE

MAKING THE CASE FOR PERSONAL CYBER COVERAGE It’s time for the cyber conversation to move from businesses to the consumer By Nathanael Curtis Nearly six in 10 Americans have been victims of cyber or digital crime, according to the Norton 2022 Cyber Safety Insights Report. It’s the most common type of crime someone can experience, and while a majority of Americans recognize the risks they face online—nearly 80% acknowledge they

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CLAIM SPLITTING DEBATED

CLAIM SPLITTING DEBATED Was subrogation applied in this confusing lawsuit?   Taking opportunities to assist both personal and commercial clients in understanding various policy provisions … could result in preventing litigation or, at least, avoid complications during lawsuits. By Bruce D. Hicks, CPCU, CLU The Court Decisions column is a popular part of Rough Notes magazine. One reason for this is that the court room is where the promises made in

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Dig a Little Deeper

CLAIM SPLITTING DEBATED Was subrogation applied in this confusing lawsuit?   Taking opportunities to assist both personal and commercial clients in understanding various policy provisions … could result in preventing litigation or, at least, avoid complications during lawsuits.   The Court Decisions column is a popular part of Rough Notes magazine. One reason for this is that the court room is where the promises made in an insurance contract often

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    WRITING FARM INSURANCE

WRITING FARM INSURANCE

WRITING FARM INSURANCE REQUIRES A DIFFERENT APPROACH Family farms feature both personal and commercial risks   By Casey Roberts, CIC, ACSR, AFIS High property values, protection classes, older properties, and multiple liability exposures—just to name a few obstacles—can make writing farm insurance a challenge. Over 90% of the 2 million-plus farms in the United States are owned by individuals/families, sole proprietorships, or family-held corporations, according to the Economic Research Service

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    LESSONS FROM THE FAMILY OFFICE

LESSONS FROM THE FAMILY OFFICE

LESSONS FROM THE FAMILY OFFICE Looking for benchmarks that can help your agency or brokerage serve clients better? Look to the affluent for advice By Lori Widmer In many ways, wealthy families are much like a commercial business. Everything from cyber liability and claims to global supply chain and catastrophic events falls under the risks that well-to-do individuals must mitigate in order to protect their assets for the next generations.

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