Explore Total CSR's blog archives for insights, tips, and resources tailored to insurance agency success. Stay informed with expert articles and industry updates.
192 articles · page 2 of 8
BlogAgency Staff Articles
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
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.
BlogCoverage Article
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.
BlogHelpful Tips: For Training
Where Gen Z fits in insurance and risk careers: entry-level roles, the skills and designations that matter, and how agencies can develop young talent.
BlogCoverage Article
What an HO-4 policy really covers: named perils, actual cash value, sub-limits, loss of use and liability, plus a renter review checklist for CSRs.
BlogAgency Staff Articles
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
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
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
Discover the crucial differences between self-insured retention and deductibles, including financial responsibilities and claims handling, to guide your clients effectively.
BlogAgency Staff Articles
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.
BlogCoverage Article
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
BlogAgency Staff Articles
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
Seven endorsement mistakes agencies make, from missing additional insureds and wrong named insureds to old edition dates and stalled requests, with fixes.
BlogCoverage Article
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.
BlogAgency Staff Articles
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
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.
BlogCoverage Article
What ALAE (allocated loss adjustment expense) includes, how it differs from ULAE, how it affects limits, deductibles, reserves, and pricing, plus FAQs.
BlogHelpful Tips: For Training
What the QCLS (Qualified Commercial Lines Specialist) covers, who it fits, how it compares to CISR, CLCS, AINS, ARM, and AAI, and how agencies use it.
BlogAgency Staff Articles
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
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
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
Compare cyber insurance designations like the PLUS CPLP, ACRM, Chubb CCIC, CyRM and IAPP CIPP: who issues each one, who it suits and how to choose.
BlogHelpful Tips: For Employees
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
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.
