Ask an Expert helps an agent respond to what she considers an incorrect coverage denial. It’s an example of how our Ask an Expert member service can help you reasonably advocate on behalf of your client.
Personal & Advertising Injury coverage under the Commercial General Liability policy offers very limited protection for patent infringement. Specialty coverage is available, and one such provider, Intellectual Property Insurance Services Corporation’s executive vice president Chuck Baxter has graciously authored this article for Insurance Illustrated.
Business income and extra expense coverage can be difficult claims to handle, and filling out the business income worksheet must be done with care. In this question, an agent asks if donations the non-profit include on their profit & loss statement covered after a loss. Our experts chime in, and this article is worth a…
Many consultancies begin out of necessity. An older worker may face a layoff and be unable to quickly find new employment. Professions such as information technology, the finance industry and construction/manufacturing seem to be the most flagrant violators of age discrimination laws. Those over forty who cannot quickly find employment after a downsizing may decide…
With today’s hard market, more agents place business with the surplus lines market. This article provides a basic overview of the importance of the surplus lines market, and some pitfalls to avoid when working in the surplus lines environment.
In 2024, the National Council on Compensation Insurance (NCCI) rolled out a modernized Learning Center accessible to the public. The Learning Center provides a range of topics, including classification, experience rating, the residual market, and more. This article covers the new learning path and other valuable resources available to insurance agents and brokers who want…
While Symbol 1 of the Commercial Auto Policy should cover “any auto” your insured drives, there are no guarantees that 1) Your carrier will allow this coverage on all or any of your insured’s vehicles, and 2) that the carrier won’t add an additional audit charge at audit after an accident involving “any auto.” Often…
According to a 2021 survey from the Workplace Bullying Institute, about 30% of people experience bullying at work, and another 19% witness it. That means half of the workforce is affected by bullying at work, and 66% know it happens. People in industries such as insurance — where competition is high, or rewards are driven…
If you’re a newly licensed producer, or transitioning from a customer service representative to sales, figuring out where to start in the sales process is key to your success. Here are 10 top tips you can use now to build your book of business.
When marketing to the affluent, the relationship needs to exist first, and the sale will follow later. This is one of the reasons why your network is such an important and powerful tool for attracting wealthier insurance clients. Read on for a three-step process to build your affluent insurance market by well-known marketing expert Mark…
