Category: Issues

FREE Webcast: How to Survive and Thrive in a Hard Market

Probably less than half of all agents have experienced a hard market like the one we find ourselves in today. In this FREE webcast. you’ll learn how to survive, even thrive, in a hard market. While there’s bad news to report, you might be surprised to learn that there could be twice as much good news for good agents and savvy risk managers and policyholders.

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An Agent Call To Action: Underinsurance

Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop are sufficient to either replace or rebuild? If a natural catastrophe hit your community, would you have the same confidence in your replacement or rebuild figures?

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COVID, Loss Control, and Chicken Soup

The government and media focus on the COVID pandemic has largely centered around vaccination. Very little has been said about other risk management techniques, especially the concept of loss prevention vs. loss reduction. So what does this have to do with the insurance industry? Likewise, what does it have to do with chicken soup?

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Another Certificate of Insurance Noose

For a number of years, issues involving certificates of insurance seemed to have calmed down. But that may be changing as a new generation of COI requestors begin to make outrageous and onerous requests of agents. But in most states, agents have a way out if they know where to look.

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Am I Legally Liable?

Your insured asks, “If I do ‘X’, am I legally liable?” Or, “If ‘this’ happens, am I legally liable?” How do you respond to such questions from your customers? Do you simply refer them to an attorney or do you provide some guidance with the caveat that you’re not an attorney and not providing legal advice?

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Using “Big Data” to Make Unilateral Policy Coverage Changes

An insurer makes a unilateral change in policy coverage, adding a named insured, based on “publicly available” information. Is this legal or appropriate? What about erroneous “public” information (aka “big data”) the insurer uses for coverage or rating purposes without confirmation by the insured, e.g., household residents, dwelling square footage, incorrect credit information, etc.

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My New Ebook

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