BlogAgency Staff Articles
Reservation of Rights Letter: Essential Insights for Insurance Professionals
What a reservation of rights letter means, why insurers send one, how it affects defense counsel, and how to help a client respond.
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74 results in Agency Staff Articles · page 1 of 4
BlogAgency Staff Articles
Expense Ratio Insurance vs. Loss Ratio: What's the Difference?
The loss ratio measures claims against premium; the expense ratio measures operating costs. See the formulas, the combined ratio, and what each means for agents.
BlogAgency Staff Articles
Non-Admitted Carrier vs. Admitted: Which Option is Right for Your Insured
Admitted vs. non-admitted carriers: how licensing, guaranty funds, surplus lines rules and taxes differ, and how to choose the right market for your insured.
Agency Staff Articles
How to Complete the ACORD 27 Certificate of Insurance
A section-by-section guide to the ACORD 27 Evidence of Property Insurance: what each box means, who asks for it, and how it differs from the ACORD 25 and 28.
BlogAgency Staff Articles
Understanding How the CG 00 01 Coverage Form Has Evolved Over the Years
How ISO's occurrence liability form changed from its 1985 edition to the 04 13 edition, and how agency staff should check edition dates on every policy.
BlogAgency Staff Articles
Explaining the CG 2026 Additional Insured Endorsement and What It's Used For
What the CG 20 26 designated person or organization endorsement covers, when to use it, how the 04 13 edition limits it, and which forms fit better.
BlogAgency Staff Articles
How a Replacement Cost Estimator Works: What Insurance Brokers Need to Know
Learn what a replacement cost estimator measures, how it ties to the loss settlement provision, and how brokers check the dwelling limit before a loss.
BlogAgency Staff Articles
How to Explain the Difference Between a Self-Insured Retention and a Deductible
Discover the crucial differences between self-insured retention and deductibles, including financial responsibilities and claims handling, to guide your clients effectively.
GuidesAgency Staff Articles
Incurred But Not Reported (IBNR): What Every Insurance Professional Needs to Know
What incurred but not reported (IBNR) means, how pure IBNR differs from IBNER and IBNP, how actuaries calculate it, and why it matters to agents and underwriters.
BlogAgency Staff Articles
What Is the CIC Designation?
What the CIC designation is, which five CIC courses count, how the essay-style exams and annual update work, and how CIC compares with CPCU, CRM and CISR.
BlogAgency Staff Articles
Insurance MGA: Understanding the Role of MGAs in Today's Market
What an insurance MGA is, how delegated underwriting authority works, how MGAs differ from wholesalers and fronting carriers, and what retail agents should check.
BlogAgency Staff Articles
The Top 7 Insurance Endorsement Mistakes and How to Avoid Them
Seven endorsement mistakes agencies make, from missing additional insureds and wrong named insureds to old edition dates and stalled requests, with fixes.
BlogAgency Staff Articles
Why Apparent Authority in Insurance Matters for Both Agents and Clients
What apparent authority means for insurance agents, how an insurer's conduct creates it, a hypothetical binding example, and simple steps that limit the risk.
BlogAgency Staff Articles
Insurance Binder vs. Policy: What's the Difference and Why It Matters
An insurance binder puts coverage in force until the policy is issued. Learn how binders differ from policies and certificates, and what agents should check.
BlogAgency Staff Articles
The Role of a Third Party Administrator in Commercial Insurance: How TPAs and TPA Firms Handle Third Party Administration
What a TPA does for self-funded benefit plans, workers' compensation, and liability programs; who carries the risk; and what agents should check before a client signs.
BlogAgency Staff Articles
5 Common Misconceptions About the Extended Reporting Period Debunked
Five common myths about the extended reporting period, or tail coverage, on claims-made policies, with how the basic and supplemental ERP work and what to tell clients.
BlogAgency Staff Articles
How to Deal With Workplace Dilemmas
When employees encounter difficulties, there is a tendency to ignore them and move on. While avoiding problems feels like the more comfortable option in the moment, it can build up and cause more significant issues in the future.
GuidesAgency Staff Articles
The Practical Guide to Insurance Designations
The insurance industry allows agents to earn many professional designations, but it can get confusing with so many designations. See our full guide here.
BlogAgency Staff Articles
Everything You Should Know About the AINS Designation
What the AINS designation covers, the current course and exam requirements from The Institutes, study time, and how agency staff can use it to grow.
BlogAgency Owner Articles
Best Software Solutions for Insurance Agencies in 2026
Compare the best software solutions for insurance agencies in 2026: agency management, CRM, rating, training and compliance tools, plus how to choose.
BlogAgency Staff Articles
The Complete Guide to the Insurance Loss Run Report
What a loss run report shows, how to request one from the current carrier, and how to read each field so your submissions and renewals move faster.
GuidesAgency Staff Articles
How to Complete ACORD Agent of Record Forms
A step-by-step guide to the ACORD 36 broker of record change form: what to gather, how to fill out each section, and how to submit it to the carrier.
BlogAgency Staff Articles
Certificates of Insurance: Why You Need to Use Templates
How agencies use templates to issue a certificate of insurance fast and correctly: key ACORD 25 fields, limits to check, pitfalls, and a time savings example.
BlogAgency Staff Articles
What to Look for in CE Courses for Insurance Agents
How to choose CE courses for insurance agents: state approval, CE hours, relevance, instructors, format, and how to track your CE transcript before renewal.
