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Risk Retention Group (RRG): Pros and Cons Overview
Coverage Article, Helpful Tips: For Onboarding, Helpful Tips: For Training
Understanding the Pros and Cons of a Risk Retention Group Navigating insurance options can be challenging, especially when exploring alternatives like RRG insurance. But what exactly is a risk retention group, and what does RRG stand for? In simple terms, a risk retention group (RRG) is a liability insurance company owned directly by its members, […]
The Complete Guide to Insurance Loss Run Reports
Agency Staff Articles, Coverage Article
Understanding the Importance of a Loss Run Report Insurance professionals frequently express frustration when navigating loss run reports, dealing with delays, unclear data, and the challenge of clearly conveying essential loss history to stakeholders. Executives and account managers, especially those who train new employees, understand that overlooked details in these reports significantly impact coverage decisions, […]
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
Understanding Duty to Defend Insurance Duty to defend insurance serves as a critical shield for policyholders facing potential legal battles. At its core, this protection addresses an insurer’s responsibility to handle legal defense when claims emerge under a covered policy. Many individuals and businesses with liability insurance count on this safeguard when confronting expensive litigation. […]
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 […]
What is the Basic Cause of Loss Form in Insurance
Coverage Article, Helpful Tips: For Training
Understanding the Basic Cause of Loss Form in Insurance The Basic Cause of Loss Form, sometimes referred to as CP 10 10 or cp1010, is a key part of commercial property insurance, providing a clearly defined level of protection against specific causes of loss in insurance. For insurance professionals and policyholders alike, understanding this named-peril […]
CGL Coverage Scope: Does Your Policy Include Incidental Operations?
Coverage Article
Understanding the Gaps: How CGL Policies May Leave Your Business Exposed Many business owners believe their Commercial General Liability (CGL) coverage policies automatically extend to every commercial location and all related operations. Yet, ever since the 2017 revisions to the CG0001 form, this assumption can leave businesses exposed to significant risks. Indeed, the International Risk […]
Understanding the CG 2404 Endorsement
Agency Owner Articles, Agency Staff Articles, Coverage Article
What is the CG 2404 Endorsement? The CG 2404, also known as Waiver of Transfer of Rights of Recovery Against Others to Us, is a commonly used waiver of subrogation endorsement (WOS endorsement) in commercial general liability (CGL) policies. This waiver of subrogation form allows the named insured to waive their insurer’s right to subrogate […]
What’s the Difference Between an Occurrence vs Claims Made Form?
Coverage Article, Helpful Tips: For Employees
Understanding Occurrence vs. Claims-Made Insurance Policies A professional signing an insurance policy document. Insurance professionals often face decisions that affect policy coverage and risk management. Understanding the difference between claims-made vs occurrence forms is a critical part of these decisions. This article explains the distinctions between these two forms, offering clarity on occurrence based vs […]