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Expense Ratio Insurance vs. Loss Ratio: What’s the Difference?
Agency Staff Articles
Introduction to Expense Ratio and Loss Ratio Insurance professionals working in today’s competitive marketplace need to understand the core financial metrics that determine profitability and operational success. Two essential ratios sit at the center of insurance company evaluation: the insurance expense metric and the loss ratio. These ratios, together with the benefit-cost ratio, function as […]
Reservation of Rights Letter: Essential Insights for Insurance Professionals
Agency Staff Articles
A reservation of rights letter stands as one of the most vital protective mechanisms in insurance claim management. This formal document enables carriers to investigate and potentially defend claims while maintaining their ability to deny insurance coverage based on policy exclusions or coverage limitations. For insurance professionals, mastering the strategic use and careful drafting of […]
Understanding How the CG 00 01 Coverage Form Has Evolved Over the Years
Agency Staff Articles
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 […]
Explaining the CG 2026 Additional Insured Endorsement and What It’s Used For
Agency Staff Articles
Introduction to CG 2026 The CG 2026 (also known as CG 20 26) additional insured endorsement represents a critical component of commercial general liability risk transfer strategies. This ISO form provides additional insured status to designated persons or organizations for liability arising out of the named insured’s ongoing operations. Unlike its counterparts in the CG […]
How a Replacement Cost Estimator Works: What Insurance Brokers Need to Know
Agency Staff Articles
Introduction to Replacement cost Estimator Today’s home insurance coverage relies heavily on precise valuations, making the estimated replacement cost among the most vital tools in your professional toolkit. As construction expenses keep rising and supply chain issues continue reshaping building costs, insurance brokers need to understand these advanced calculation systems to shield clients from catastrophic […]
How to Explain the Difference Between a Self-Insured Retention and a Deductible
Agency Staff Articles
Introduction to Differences Between a Self-Insured Retention and a Deductible When working with clients seeking business insurance solutions, one of the most critical yet misunderstood concepts involves the distinction between self-insured retention and traditional deductibles. These risk retention mechanisms appear similar on the surface, but their operational differences can significantly impact your client’s financial exposure, […]
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 […]
Understanding the Role of Insurance MGAs in Today’s Market
Agency Staff Articles
Introduction to Insurance MGAs The insurance industry continues to evolve at an unprecedented pace, and managing general agencies (MGAs) have positioned themselves as critical intermediaries driving innovation and efficiency. With over $80 billion in premium volume flowing through these specialized entities annually in the United States, they’ve become cornerstone players in modern distribution networks. For […]
The Top 7 Insurance Endorsement Mistakes and How to Avoid Them
Agency Staff Articles
Avoiding Mistakes with Insurance Endorsement Insurance professionals understand that policy modifications can make or break a client’s coverage. Yet too many insurance agents, brokers, and underwriters continue to make preventable errors when handling endorsements. These mistakes create coverage gaps, expose clients to unnecessary business risks, and leave professionals vulnerable to errors and omissions claims. Based […]
Why Apparent Authority in Insurance Matters for Both Agents and Clients
Agency Staff Articles
The Real Impact of Apparent Authority on Insurance Agents and Clients The concept of apparent authority in insurance, also known as ostensible authority, stands as one of the most critical yet frequently misunderstood principles governing the relationship between insurance companies, agents, and clients. This legal doctrine can make or break coverage disputes, determine liability outcomes, […]