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Personal Lines

    MORE THAN HOME AND AUTO

MORE THAN HOME AND AUTO

Personal Lines Focus MORE THAN HOME AND AUTO Minimize agency errors and omissions claims by educating clients on personal risks By Donna Gray Personal lines insurance agencies routinely offer clients a wealth of knowledge in properly insuring assets. Most clients know they need home and auto insurance, but the truth is that they can often benefit from additional layers of coverage depending on their unique situations. As insurance agents and

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    OVERLOOKED LIMITATIONS AND EXCLUSIONS

OVERLOOKED LIMITATIONS AND EXCLUSIONS

Mind the Gap By Marc McNulty, CIC, CRM OVERLOOKED LIMITATIONS AND EXCLUSIONS Going “back to the basics” on policy provisions I recently had a conversation with one of our insurance company claims adjusters regarding limitations and exclusions that may trip up new agents, and he had some interesting insights. Considering our last column went back to the basics on personal insurance, I thought it might be beneficial to keep the

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    A HOUSE DIVIDED

A HOUSE DIVIDED

Dig a Little Deeper By Bruce D. Hicks, CPCU, CLU A HOUSE DIVIDED Court case highlights the need for clear language and good-faith communication efforts 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 become real. All insurance professionals can develop “what if” scenarios but until those scenarios

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    PERSONAL LINES INSURANCE: BACK TO THE BASICS

PERSONAL LINES INSURANCE: BACK TO THE BASICS

Mind the Gap By Marc McNulty, CIC, CRM PERSONAL LINES INSURANCE: BACK TO THE BASICS Don’t let direct writers beat you on price alone If you’ve followed this column over the years, you know that our goal is to help those who are new to the industry by pointing out various pitfalls or coverage gaps. We’ve explored a variety of topics ranging from personal lines coverage enhancements to lesser-known commercial

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    HOMEOWNERS POLICIES: PART TWO

HOMEOWNERS POLICIES: PART TWO

Young Professionals HOMEOWNERS POLICIES: PART TWO What businesses are your clients operating on their personal properties? By Christopher W. Cook In the last installment, we dissected the homeowners policy and looked at different policy forms, what’s covered in each individual policy section, and available endorsements. Remember how this was supposed to be a two-parter? Well, the second half of Nicole Broch’s session from the 2020 Independent Insurance Agents (Big “I”)

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