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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 […]
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 […]
How to Complete the ACORD 140 for Commercial Property Insurance
Agency Staff Articles, Helpful Tips: For Employees, Helpful Tips: For Training
What is an ACORD 140 form? Starting a career in insurance means getting comfortable with applications used in an Agency Management System (AMS). This includes developing familiarity with various forms such as the commercial property ACORD 140 form. ACORD forms are universally recognized documents that contain information which most, if not all, insurance carriers require […]
The CPCU Designation – Everything You Need to Know
Helpful Tips: For Training
Introduction to the CPCU Designation The CPCU Designation is widely recognized as one of the most prestigious professional credentials in the property and casualty insurance field. In this article, we’ll look at what the CPCU Designation involves—covering the cpcu meaning, what CPCU stands for, what is a CPCU in insurance, the benefits of earning it, […]
What’s the Best Workers Compensation Training Program?
Helpful Tips: For Training
How to find the Best Workers Compensation Training Finding the right workers compensation training that align with your schedule and cover key topics can greatly improve how you manage claims and risk. Online self-paced learning offers the flexibility busy professionals need, while comprehensive classes provide practical guidance on tasks like completing the ACORD 130 form and being […]
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 […]
How to Complete the ACORD 127 for Commercial Auto Insurance
Agency Staff Articles, Helpful Tips: For Employees, Helpful Tips: For Training
What is an ACORD 127 form? If you’re starting out in insurance, you’ll need to become familiar with the applications used in your Agency Management System (AMS), especially ACORD Forms. Also known as the commercial auto acord, the ACORD 127 is focused on securing insurance for business autos. It gathers general information like driver information, vehicle […]