BlogCoverage Article
Hired and Non-Owned Auto Coverage Explained
What hired and non-owned auto (HNOA) liability covers, how symbols 8 and 9 work, where the coverage stops, and what to ask commercial clients at renewal.
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87 results in Coverage Article or Helpful Tips: For Employees · page 1 of 4
Coverage Article
What is the Difference Between Pro Rata and Flat Rate Cancellation?
Pro rata, flat, and short-rate cancellation compared: how each refund is calculated, when each applies, and what agencies should check before canceling.
Coverage Article
Business Income and Extra Expense Coverage Explained
How business income and extra expense coverage works on the ISO form: what it pays, the 72-hour waiting period, extended business income, and limits.
GuidesCoverage Article
How to Calculate Loss Ratio: A Step-by-Step Guide for Beginners
The loss ratio formula, step by step: which losses and premium to use, a worked example, how it ties to the combined ratio, and mistakes to avoid.
BlogCoverage Article
Understanding the Impact of Gross Written Premium on Insurance Profitability
Discover how gross written premium impacts insurance profitability. Learn its definition, calculation, and why it matters for insurers and brokers.
BlogCoverage Article
Lender's Loss Payable vs Loss Payee: Demystifying the Insurance Jargon
Lender's loss payable vs. loss payee: how each clause on ISO CP 12 18 works, why lenders want independent rights, and what agents should check before issuing.
BlogCoverage Article
How the Law of Large Numbers Insurance Shapes Risk Management Strategies
Discover how the law of large numbers in insurance helps companies predict risks more accurately, set fair premiums, and remain financially stable by relying on probability and large policyholder data.
BlogCoverage Article
Coverage C Homeowners Insurance: What Your Insured Needs to Know
Learn what Coverage C homeowners insurance includes, exclusions, and limits. Discover how personal property insurance protects belongings and coverage options.
BlogCoverage Article
Demystifying Cyber Insurance Exclusions: What They Mean for Your Insured
A plain guide for agents and CSRs to common cyber exclusions, from war and social engineering to fines and failed controls, and how to review them.
GuidesCoverage Article
Understanding Employee Dishonesty Insurance: A Comprehensive Guide
Learn what employee dishonesty insurance covers, why it matters, and how it protects your clients from theft, fraud, and other internal risks.
BlogCoverage Article
Debunking Myths: What Your Client's Don't Know About HO-4 Renters Policy Coverage
Learn the truth about HO 4 policy coverage, from tenant liability insurance to common exclusions. Discover what’s really included and how to tailor coverage.
BlogCoverage Article
TRIA Insurance Explained: Help Your Clients Navigate Terrorism Risk Coverage
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
BlogCoverage Article
Functional Replacement Cost in Insurance: A Comprehensive Guide
What functional replacement cost means, how it differs from replacement cost and actual cash value, the HO 00 08 and commercial forms, and when agents use it.
BlogCoverage Article
Why Understanding ALAE Is Crucial for Risk Assessment in Insurance
What ALAE (allocated loss adjustment expense) includes, how it differs from ULAE, how it affects limits, deductibles, reserves, and pricing, plus FAQs.
GuidesHelpful Tips: For Employees
Understanding Composite Risk Assessment: Key Insights for Effective Implementation
Learn what composite risk assessment is, how carriers and agencies use it to see how risks interact, and how to apply it in a commercial account review.
GuidesCoverage Article
Waiver of Subrogation Explained: A Client Guide
Learn how to explain waiver of subrogation to clients effectively. Covers types, risks, and practical communication strategies for insurance pros.
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.
BlogHelpful Tips: For Employees
Your Complete Guide to Cyber Insurance Designations
Explore cyber insurance designation options to boost your career and credibility. Learn insights and choose the right certification!
BlogHelpful Tips: For Employees
Your Complete Guide to the CRIS Designation (Construction Risk and Insurance Specialist)
What the IRMI CRIS designation covers, the five required courses, current cost, renewal rules and how agents, CSRs and risk managers use it with contractors.
BlogHelpful Tips: For Employees
Incurred Losses Explained: Understanding Insurance Claims
What incurred losses are, how paid amounts and reserves combine on a loss run, a worked example, and how to explain the numbers to clients.
BlogHelpful Tips: For Employees
Building a Career as a Health Insurance Specialist at an Agency: Steps Beyond Licensing
Learn how to become a health insurance specialist at an agency. Get expert tips on certifications, training, and career growth.
BlogHelpful Tips: For Training
Insurance Exposure Simplified: Essential Risk Management for Insurance Professionals
Discover why incurred losses matter in insurance, differences from paid losses, and how explaining incurred losses to clients builds trust. Understand the insurance exposure definition, risk types, and loss evaluation.
BlogHelpful Tips: For Employees
Coverage E Homeowners Policy Guide: What Agents Need to Know
Coverage E is homeowners personal liability. Learn what it pays, how it differs from Coverage F, key exclusions, and when to recommend an umbrella policy.
BlogHelpful Tips: For Onboarding
Contractual Liability Insurance: Understanding Coverage & Risks
Explore contractual liability insurance to understand how it protects your business from financial liabilities assumed in contracts.
