Mind The Gap By Marc McNulty, CIC, CRM PERSONAL INLAND MARINE Why the coverage offers a better solution for your clients Several years ago—in October 2016 to be exact—we explored in this column the unendorsed ISO HO 00 03 and the homeowners special limits of liability that are contained within that policy form. Specifically, we looked at jewelry and offered the following suggestion: When in doubt, encourage your clients to
Personal Lines
Dig a Little Deeper By Dawn Jackson, AU, AINS BREAKING BAD Insurer denies claim regarding cleanup of rental property used for producing meth The Court Decisions column is a popular feature in Rough Notes magazine, in part because the courtroom is where the promises made in an insurance contract often become real. All insurance professionals can develop “what if” scenarios, but until those scenarios are tested with an actual loss
CYBER BEST PRACTICES AT HOME Tips to make your clients less-desirable targets for cybercriminals By Christopher W. Cook For risk managers, now more than ever is a good time to talk to your clients about cyber best practices in the home, especially with more individuals working remotely because of the pandemic. Although I was born in 1980—that Gen X/Gen Y borderline—I can’t say that I’m a very “techy” person. I’m
Customer Service Focus By Paul Z. Martin, CPCU THE ELEMENTS OF GREAT CUSTOMER SERVICE IN PERSONAL LINES Use emotional intelligence to build trust with your customers When an agency sells insurance to an individual or family, it is not just meeting a need; it is interacting with them in an intimate way. It’s more than a transaction; it’s a relationship. The agency gathers details that are unique to that family
Personal Lines Focus 2021 MARKET OUTLOOK By Lori Widmer While the personal lines market in 2020 can be defined by the word “pandemic,” the 2021 market may well be remembered with a different word: “digital.” “Digital is huge,” says Mike Grove, senior product manager for Safeco Insurance. “There’s a significant uptick in customers submitting claims digitally. Our data indicates customers reporting claims digitally were up 126% year over year for
