Replacement cost does not mean what the client believes or has been told. Insureds assume replacement cost translates into new...
“We’ve had a flood,” says the insured. “Oh, no!” the agent says, “What happened?” What really happened, and the coverage...
Recently I’ve been reviewing some of history’s “management fads.” You know, the ones that looked good for a time but...
Business income protection is of utmost importance for any insured suffering a catastrophic property loss. To fully understand business income...
Today is my 25th anniversary in this, the insurance business. I still very much enjoy the business (I don’t say...
Commercial general liability (CGL) claims involve three parties: 1) the insured(s); 2) the insurer; and 3) the injured. CGL coverage...
Coinsurance provisions found in property policies exist primarily to assure that the insurance carrier receives adequate premium for the property...
Recently I ordered a pizza from a national chain (no, not the one you’re thinking) and it was quite late...
Insurance Services Office (ISO) recently released a “matched set” of drone-related endorsements for use with the commercial general liability (CGL)...
What steps do you take to assure your client has the best insurance carrier? The “best” carrier is the one...