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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. […]
Insurance 101: What New Hires Need to Know
Helpful Tips: For Hiring, Helpful Tips: For Training
Understanding Insurance 101 as a New Hire Starting a career in insurance can feel daunting, so this guide aims to provide straightforward, detailed insights that help newcomers succeed. In this article, we’ll touch on everything from fundamental terminology to industry trends, practical advice, and training requirements—all while using the keyword Insurance 101 as our framework. […]
What is CISR Designation and Why it is Important?
Agency Owner Articles, Agency Staff Articles, Helpful Tips: For Training
Understanding the Certified Insurance Service Representative (CISR) Designation The Certified Insurance Service Representative (CISR) designation is a widely recognized certification in the insurance industry. Offered by the CISR National Alliance, it is designed to provide insurance professionals with a structured approach to learning about coverage, risk management, and customer service. The CISR program helps agents […]
The Role of an Insurance Account Manager: Responsibilities, Skills, and Career Insights
Agency Staff Articles, Helpful Tips: For Onboarding
Understanding the Role of an Insurance Account Manager Image depicting the meaning of what an account manager does An insurance account manager, sometimes referred to as a CSR (insurance customer service representative), insurance account coordinator, or insurance relationship manager, plays a crucial role in maintaining strong client relationships and ensuring policyholders receive the service they […]
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 […]
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 […]
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 […]
The Impact of the Pandemic on the Insurance Industry
Agency Owner Articles, Agency Staff Articles, Helpful Tips: For Leadership
We have certainly seen a fair amount of changes in our world due to the pandemic, but there is more to come. As we continue to adapt and learn from this unprecedented situation, we have yet to determine the long-term impact. The insurance industry has already had to make some uncomfortable shifts. Businesses have downsized […]