As Students Arrive on Campus, New Exposures Can Arise As legions of students head back to college this fall, parents should be mindful of gaps in insurance that can exist while their children are living away from home. Although students …
The federal government is overpaying private insurance companies that manage flood insurance policies by as much as 16.5 percent, according to a new government report. To just six of the 87 participating carriers, the Federal Emergency Management Agency (FEMA) paid …
Once Available Only to Clients of PEOs, There Are Now Pay-As-You-Go Options for Agents to Offer Their Clients National payroll companies have made sure this workers’ compensation payment program [pay-as-you-go] is here to stay, says Andy Kohler of Unisource Program …
The federal government is overpaying private insurance companies that manage flood insurance policies by as much as 16.5 percent. To just six of the 87 participating carriers, the Federal Emergency Management Agency (FEMA) paid $327.1 million more than their actual …
Students attending college away from the residence premises (home) may begin the semester as fully protected “insureds,” but can end the semester in a protection gap without property or liability protection extending from their parents’ homeowners’ policy. Status as a …
Endorsements to the commercial general liability (CGL) policy are highly specialized. A high percentage are either exclusionary or extend protection to distinct classes of additional insureds. Most of the remaining endorsements alter coverage for only a limited class or type …
Insurance Services Office (ISO) lists more than 100 endorsements available for use with the business auto policy (BAP) (the total number varies by state). Out of that heap of policy-altering endorsements, most designed to meet the needs of a specific …
When asked to pen a piece to end this issue, I asked myself, “what is the best way to end an issue focused on recreation and leisure?” I truly have no idea; agents have no time for such frivolity. Our …
Several weeks ago, MyNewMarkets.com posted a two-part series regarding coverage gaps and selling to those gaps. “Gaps That Sell” and “Three Homeowners’ Policy Gaps that Sell” detailed the different levels and classifications of coverage gaps, how to plan for those …
Working at my computer the other day, it hit me that the most recent crop of college graduates were not even born when I graduated from high school, and they were no more than three when I entered the world …
