Commercial Lines

Negligent security claims and other risk management problems plague today’s multifamily housing market. This article outlines the challenges facing multifamily housing owners, explains the standard of care allegations faced in court and offers solutions for reducing complex multifamily liability challenges. Understanding these challenges can help insurance agents educate their multifamily housing clients in the importance…

One of the biggest exposures for an errors and omissions claims arises from certificates of insurance. When providing additional insurance, under the commercial general liability policy replace the need for a waiver of subrogation endorsement? Read this article to find out.

While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However, submissions swamp today’s underwriters, and they may only scratch the surface of an application before responding, “No way!” How do you get your underwriting submission…

Perfluoroalkyl Substances (PFAS) are a hot topic with Insurance Services Office rolling out forms to exclude coverage for PFAS. This article will provide what we know to date on this important topic.

The habitational market struggles with a lack of capacity, increasing non-renewals, higher deductibles and restricted underwriting. How can the industry adapt to this hard market? This article covers current habitational risks in the multi-family market and offers tips for agents trying to place coverage.

As you handle more complicated commercial accounts, you’ll need to understand some often-used financial terms. Whether you’re furnishing your commercial insured’s financial data for underwriting or renewal or responding to audit assistance, here are the top financial terms you should know.

Our Ask an Expert service offers Big “I” members insight into today’s risks or other coverage, technology, or agency management issues today’s agents encounter. This article offers insight into an important question we received: If I administer Narcan as a trained or untrained employee in emergency situations as required by the employer, will the employer’s…

When my plumbing contractor husband recently renewed his general liability coverage, he asked our agent if he would have coverage if his employee installed a gas water heater and it later leaked, injuring someone in his customer’s household. His agent said, “Probably not,” based on the total pollution exclusion. Case law regarding what is and…

According to the Environmental Protection Agency (EPA), geothermal energy technology “harnesses the Earth’s heat,” and at least three types of technology that take advantage of that natural resource. These include ground source heat pumps, direct use geothermal and deep geothermal systems. This article provides a brief overview of this technology and some of the property…

Assaults, slip and falls, gas leaks and other liability issues can wreak havoc on a commercial real estate (CRE) insured’s loss history. With property rates expected to climb again next year due to Hurricane Ian’s impact on the reinsurance marketplace, CRE exposures, especially CAT-exposed properties, will be hit hard with rate hikes, according to many…