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The Complete Guide to Insurance Loss Run Reports
Agency Staff Articles, Coverage Article
Understanding the Importance of a Loss Run Report Insurance professionals frequently express frustration when navigating loss run reports, dealing with delays, unclear data, and the challenge of clearly conveying essential loss history to stakeholders. Executives and account managers, especially those who train new employees, understand that overlooked details in these reports significantly impact coverage decisions, […]
What Is a Blanket Insurance Policy? An In-Depth Overview
Agency Staff Articles, Coverage Article
A Blanket insurance policy is an arrangement that covers multiple assets or properties under a single limit. It has become especially popular among businesses and individuals looking for a unified plan that offers broader protection. Risk managers often choose this strategy to consolidate oversight across various holdings—such as car dealerships, country clubs, or agricultural properties—so […]
What’s the Difference Between DP1 and DP3 Policies?
Agency Staff Articles, Coverage Article
When insuring rental properties or vacant homes, understanding the differences between various dwelling fire policies is essential. Two popular options are DP1 and DP3 policies, also known as Dwelling Fire Form 1 and Dwelling Fire Form 3. Both dwelling fire policies serve non-owner-occupied properties, yet they provide significantly different coverage levels. This guide will clarify […]
What Is the Duty to Defend in Insurance?
Agency Staff Articles, Coverage Article
Duty to defend insurance plays a vital role in protecting policyholders from the financial pressures of legal actions. It centers on an insurer’s obligation to manage a legal defense when claims arise under a covered policy. Individuals and organizations with liability insurance often rely on this safeguard to handle complex and costly litigation. Duty to […]
Understanding Functional Replacement Cost in Insurance: A Comprehensive Guide
Agency Staff Articles, Coverage Article
Definition and Overview of 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 […]
Installation Floater vs Builders Risk: Choosing the Right Coverage for Your Construction Project
Coverage Article, Helpful Tips: For Training
Understanding Installation Floater vs Builders Risk Installation Floater vs Builder Risk is a key consideration when evaluating financial risks in construction projects for both property owners and contractors. With valuable materials, equipment, and structures in play, choosing the right construction insurance coverage is essential to safeguard against potential losses. The two common policies available are installation […]
What is the Basic Cause of Loss Form in Insurance
Coverage Article, Helpful Tips: For Training
Understanding the Basic Cause of Loss Form in Insurance The Basic Cause of Loss Form, sometimes referred to as CP 10 10 or cp1010, is a key part of commercial property insurance, providing a clearly defined level of protection against specific causes of loss in insurance. For insurance professionals and policyholders alike, understanding this named-peril […]
Commercial Insurance Classes Education: Enhance Your Expertise Today
Agency Owner Articles, Helpful Tips: For Training
Commercial Insurance Education: Enhancing Your Agency’s Expertise Whether you’re an owner, manager, or employee at an insurance agency, having access to a course for insurance is essential, whether for yourself or your staff. General insurance education is great for new agents during the initial licensing phase, but specialized training is crucial for developing expertise in […]
What is CISR Designation and Why it is Important?
Agency Owner Articles, Agency Staff Articles, Helpful Tips: For Training
Understanding the Certified Insurance Service Representative (CISR) Designation The Certified Insurance Service Representative (CISR) designation is a widely recognized certification in the insurance industry. Offered by the CISR National Alliance, it is designed to provide insurance professionals with a structured approach to learning about coverage, risk management, and customer service. The CISR program helps agents […]
CGL Coverage Scope: Does Your Policy Include Incidental Operations?
Coverage Article
Understanding the Gaps: How CGL Policies May Leave Your Business Exposed Many business owners believe their Commercial General Liability (CGL) coverage policies automatically extend to every commercial location and all related operations. Yet, ever since the 2017 revisions to the CG0001 form, this assumption can leave businesses exposed to significant risks. Indeed, the International Risk […]