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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 […]
Understanding COPE in Insurance: Breaking Down Construction, Occupancy, Protection, and Exposure
Coverage Article
Introduction to COPE Insurance: Understanding Property Risk Factors Illustration explaining COPE Insurance—Construction, Occupancy, Protection, and Exposure—key factors in property insurance underwriting. What is COPE Insurance and Why It Matters in Property Coverage? COPE is a structured method in property insurance that evaluates risk through four factors: Construction, Occupancy, Protection, and Exposure. COPE is an acronym […]
Commercial Auto Symbols Explained: A Complete Guide
Agency Staff Articles, Coverage Article
The Complete Guide to Commercial Auto Symbols A central aspect of this coverage is recognizing the commercial auto symbols in policy language. Commercial auto insurance plays a vital role in risk management for businesses that rely on vehicles. These symbols, sometimes referred to as covered auto designation symbols, clarify which types of vehicles are covered […]
CG 20 10 Explained: Additional Insured Status for Ongoing Operations
Agency Staff Articles, Coverage Article
Understanding the CG 20 10 for Ongoing Operations Many insurance professionals who manage Commercial General Liability (GCL) policies see requests to add the CG 2010 form, also recognized as the ongoing endorsement form. This ISO CG 20 10 extends additional coverage to a named entity for ongoing operations carried out by the named insured. What […]
The Primary and Non-Contributory Endorsement: What It Means and Why It Matters
Coverage Article, Helpful Tips: For Training
Why the Primary and Non-Contributory Endorsement Matters in Insurance and What it Means Insurance professionals often encounter situations where determining the order of coverage can be challenging. The primary and non-contributory endorsement clarifies which insurance policy responds before any other insurance. Understanding the primary insured meaning, how primary and non-contributory insurance functions, and potential pitfalls can reduce disputes when several insurance […]
CG 20 37: Additional Insured for Completed Operations
Agency Staff Articles, Coverage Article
CG 20 37 Explained: Additional Insured Status for Completed Operations The CG 20 37, particularly the latest version CG 20 37 12/19, is a crucial additional insured endorsement form often requested by project owners and general contractors in the insurance industry. This CG 20 37 endorsement, part of the family of additional insured forms developed […]
Understanding the Purpose of Auto Symbol 7 on the Business Auto Policy
Coverage Article, Helpful Tips: For Training
Symbol 7 Auto Coverage and Scheduled Vehicles Vehicles insured under a business auto policy, demonstrating the importance of understanding Auto Symbol 7 as explained in the article. The term symbol 7 auto coverage indicates that a business auto policy covers only the specific autos listed by the insurer. This approach helps businesses looking to control […]
How to Deal With Workplace Dilemmas
Agency Staff Articles, Helpful Tips: For Employees
The day to day operations of an agency can be full of complications of varying degrees. Often it is interpersonal relationships or difficult workplace situations. Both can cause internal and external conflict. It can seem at times that there is no right answer, and even finding the right next step can seem like a losing […]
3 Keys to Job Security in a Pandemic
Agency Owner Articles, Agency Staff Articles, Helpful Tips: For Employees
The pandemic of 2020 will impact the economy in ways that we have yet to fully understand. The insurance industry is certainly not insulated from this. While particular niches your agency serves may be able to sustain themselves or even succeed amid COVID, others have suffered significant setbacks, leaving them with no choice but to […]
Finding the Right Niche During an Ongoing Pandemic
Agency Staff Articles, Helpful Tips: For Employees
As the pandemic persists, every community imaginable has felt the impact in some way. Restrictions have crippled different industries to varying degrees. Some businesses had to limit foot traffic while others had to shut their doors temporarily. And while safety remains the primary concern, the pandemic has unquestionably, negatively impacted the economy. While some businesses […]