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Understanding Employee Dishonesty Insurance: A Comprehensive Guide
Coverage Article
Introduction to Employee Dishonesty Insurance? Internal theft stands as one of the most serious and overlooked threats that businesses encounter today. Based on industry research, companies typically lose around 5% of their yearly revenue to fraud, with employee dishonesty making up the most significant portion of these losses. For insurance professionals, grasping the complexities of […]
Understanding How the CG 00 01 Coverage Form Has Evolved Over the Years
Coverage Article
The CG 00 01, commonly called the Commercial General Liability (CGL) policy form, serves as the foundation of commercial liability insurance—acting as the main coverage document that has influenced risk transfer for many decades. This occurrence-based commercial general liability coverage form, sometimes called the CGL coverage form or occurrence coverage form, has undergone significant changes […]
What is the CIC Designation?
Agency Staff Articles, Helpful Tips: For Training
Introduction to the CIC Designation The Certified Insurance Counselor (CIC) designation, also called the CIC insurance certification, is a well-regarded professional certification in insurance created for insurance professionals (insurance agents) who want to broaden their expertise. Earning the CIC designation demonstrates a strong commitment to continuous professional growth within the insurance industry. History and Evolution […]
TRIA Insurance Explained: Help Your Clients Navigate Terrorism Risk Coverage
Coverage Article
Learn how TRIA Insurance works, its key provisions, eligibility, and exclusions. Help clients navigate terrorism risk coverage with expert insights and practical strategies for brokers, agents, and underwriters
Functional Replacement Cost in Insurance: A Comprehensive Guide
Coverage Article
What is Functional Replacement Cost? Functional replacement cost is an important concept in property insurance, offering a balanced way to handle coverage and premiums. This insurance policy choice lies between actual cash value (ACV) and replacement cost value (RCV), making it an appealing option for certain property owners. Grasping the functional replacement cost definition is […]
Why Understanding ALAE is Crucial for Risk Assessment in Insurance
Coverage Article
Introduction to ALAE and Why it is Important When it comes to professional risk assessment, you need to measure every cost component that comes with resolving claims. One of the most significant yet most misunderstood pieces of this puzzle? Allocated loss adjustment expenses. For insurance professionals working in today’s complicated regulatory landscape, getting a handle […]
QCLS Designation: What Insurance Professionals Need to Know
Helpful Tips: For Training
Why the QCLS Designation Stands Out in Commercial Insurance The insurance world is packed with professional certifications. Frankly, it can feel overwhelming trying to figure out which ones are worth your time and money. That’s where the QCLS designation comes in—it’s a specialized credential that proves you know your stuff when it comes to commercial […]
Waiver of Subrogation Explained: A Client Guide
Coverage Article
How to Explain an Experience Modification Rate to a Client Insurance professionals often meet clients who struggle to understand their experience modification rate and its significant impact on their workers’ compensation premiums. This detailed guide offers practical methods for clarifying this challenging topic while strengthening client relationships through proper education. What is an Experience Modification […]
Your Complete Guide to the CRIS Designation (Construction Risk and Insurance Specialist)
Helpful Tips: For Employees, Helpful Tips: For Training
Getting Started – CRIS Designation The Construction Risk and Insurance Specialist (CRIS) designation from the International Risk Management Institute (IRMI) gives insurance professionals specialized skills for handling construction-related risks. Many people wonder, “Is the CRIS designation worth pursuing?” and “What exactly does the IRMI CRIS designation involve?” This guide breaks down the practical benefits and […]
Incurred Losses Explained: Understanding Insurance Claims
Coverage Article, Helpful Tips: For Employees, Helpful Tips: For Training
Why Incurred Losses Matter and How to Explain It to Your Client When discussing insurance financials with clients, few concepts create more confusion than incurred losses. Many policyholders assume their premiums directly correlate to claims paid out, missing the complex financial picture that incurred losses reveal. Understanding this concept becomes critical for both insurance professionals […]