Distinguished

APRIL 9, 2025

A Managing General Agent (MGA) is a specialized type of insurance intermediary that has underwriting authority granted by an insurer. Unlike agents or brokers, MGAs can bind coverage, price policies, and handle claims they essentially act as an extension of an insurer. How do MGAs Differ From Insurance Brokers?

Agents 52

Agents Broker-Agent Broker Underwriter 52

Cowbell

MARCH 30, 2025

He who is not courageous enough to take risks will accomplish nothing in life. Were proud to now underwrite businesses with up to $1 billion in revenues in the US and up to 1 billion in the UK. Accompanying this momentum is an ever-growing global risk pool, spanning over 50 million SMEs across the US, UK, Australia, and beyond.

Cyber 64

Cyber Underwriter Underwriting Policyholder 64

Insurance Journal

SEPTEMBER 30, 2024

Ventis, the London-based commercial and residential real estate managing general agent, has expanded into Ireland, continuing its mission to deliver client service and capacity to brokers in the underserved middle of the property market. Ventis’ capacity will be distributed through …

Broker-Agent 277

Broker-Agent Commercial Agents Broker 277

Rough Notes

FEBRUARY 28, 2025

A look atand response tothe emerging risks that could dominate 2025 By Lori Widmer This year will be the year of cyber exposure. That according to the 2025 Allianz Risk Barometer, which surveys global customers as well as brokers, trade organizations, underwriters, claims professionals, and risk consultants.

Cyber 52

Cyber Underwriting Underwriter Broker 52

Zywave

FEBRUARY 25, 2025

Meanwhile, the AI curated data gives the broker more credibility, allowing them to confidently justify their pricing. And being able to see the data that informed the pricing for themselves means the consumer trusts the broker, leading to a better long-term relationship.

Insurer 52

Insurer Insured Insurance Broker 52

American Agents Alliance

MARCH 3, 2025

New efficient processes and workflows for underwriting, claims, policy administration, billing, and customer service have been implemented across the industry. However, for agents and brokers, these new AI-driven processes can introduce new E&O risks to mitigate and manage.

Broker-Agent 52

Broker-Agent Broker Agents Risk 52

Distinguished

APRIL 29, 2025

Although cities like Denver, Boulder, and Colorado Springs have thriving real estate markets, owning rental properties still comes with risks, making rental property insurance essential. Insurance companies and brokers play a key role in mitigating these risks by offering specialized landlord policies.

Liability 52

Liability Financial Loss Insurer Insured 52

Distinguished

MARCH 20, 2025

Could you start by describing the most common housing violations in Philadelphia that property owners and brokers should be aware of? Additionally, defects in windows, doors, handrails, and stairs not only contribute to drafts and security concerns but also increase the risk of falls.

Broker 52

Broker License Insurance Broker Risk 52

Zywave

JANUARY 29, 2025

How can you overcome the challenge of effective underwriting with the proliferation of placing data spread across an increasing number of eTrade platforms, Broker proprietary portals, and digital partners?

Underwriting 52

Underwriting Underwriter Broker Risk 52

Cowbell

FEBRUARY 6, 2025

This blog post aims to provide everyoneCowbell employees, broker partners, and policyholders alikewith a comprehensive overview of what CRS entails and why it matters. Cowbells Philosophy : Our goal has always been to empower policyholders with both financial risk transfer (insurance) and risk mitigation (security services).

Policyholder 52

Policyholder Cyber Broker Risk 52

AMAXX

MARCH 24, 2025

Assignment of Classification Codes Initially, insurance brokers typically assign classification codes when securing coverage for employers. Brokers discuss the nature of the employer’s work to determine the most suitable code. You should consult with your insurance broker, attorney, or qualified professional.

Workers Comp 59

Workers Comp Premium Workers Compensation Compensation 59

ProWriters

FEBRUARY 7, 2025

At the same time, AI makes improved risk assessment and protection against cyber threats possible. No insurance broker or agent today can afford to ignore the presence of artificial intelligence in cyber security. AI-driven advancements in malicious tactics mean brokers must account for evolving risks in the underwriting process.

Cyber 53

Cyber Broker-Agent Broker Liability 53

Zywave

NOVEMBER 13, 2024

But with growth opportunities comes risk. Even as cyber-attacks continue to increase in frequency, how can you boost your loss ratios? Distribution & Quoting You can’t build your cyber business if you don’t get your coverage in front of the right brokers and their clients.

Cyber 97

Cyber Policyholder Insurer Insured 97

Distinguished

FEBRUARY 24, 2025

However, for insurance brokers, the wide spectrum of restaurants represents both a challenge and an opportunity. In this guide, well break down how Distinguisheds restaurant insurance addresses the specific risks faced by Charlottes restaurant owners. What Does Distinguisheds Restaurant Insurance Cover?

Liability 52

Liability Liability Insurance Insurer Insured 52

ProWriters

NOVEMBER 18, 2024

After several years of dramatic rate fluctuations, insurers, brokers, and businesses are bracing for what could be a defining year for D&O premiums. With rising litigation risks, emerging industries, and a more competitive marketplace, the question remains: Will the soft market continue, or are we in for another shake-up?

Premium 101

Premium Cyber Insurer Insured 101

Distinguished

OCTOBER 1, 2024

If you missed our recent webinar, “Fine Art & Collectibles Insurance: Q&A for Brokers,” don’t worry. Hear directly from our underwriters on how Distinguished can help you win business and deliver superior service to your clients. Brokers with similar accounts are welcome to send them in for review.

Broker 52

Broker Broker-Agent Inland Marine Insurer 52

Distinguished

JULY 8, 2024

If you missed our recent 30-minute webinar, “Hotel Primary Insurance: A Check-In to Success for Insurance Brokers,” don’t worry. Hear from industry experts as they discuss critical differences in Hotel Primary policies and key risks to consider. Underwriters with hospitality industry knowledge and expertise.

Insurance Broker 52

Insurance Broker Broker Broker-Agent Insurer 52

Prof. Allan Manning

FEBRUARY 24, 2023

During that time we have assisted thousands of claimants with their claims, and introduced world leading online services that take the lessons learned from claims, and use them to assist brokers and underwriters be better at their job, and to move the emphasis from price to protection.

Insurance Industry 130

Insurance Industry Business Interruption Claim Insurer 130

AMAXX

JULY 30, 2024

So this is your premium adjustments, and these are discretionary adjustments that can be given by your underwriter based on how well they perceive you managing your risk, how well they perceive you managing your risk. and why are we gonna try to get this risk up because you’re saying, hey. Say that again.

Workers Comp 64

Workers Comp Risk Workers Compensation Injury 64

American Agents Alliance

DECEMBER 8, 2024

Driven by rapid advancements in technology, shifting risks, and increasing policyholder expectations, the industry will likely have different products and services by the time 2025 draws to a close. Read more about 2025 insurance trends and consider how these risks and opportunities may impact your agency.

Broker-Agent 40

Broker-Agent Agents Broker Risk 40

Distinguished

APRIL 14, 2025

But with value comes risk, and standard homeowner insurance policies frequently fall short when it comes to protecting one-of-a-kind instruments. Transit-related risks : Whether traveling for appraisals, exhibitions, or repairs, rare guitars face an increased risk of loss, theft, or damage and many policies wont cover transit losses.

Insurer 52

Insurer Insured Insurance Policy 52

Distinguished

MARCH 17, 2025

In New York City, housing code violations challenge property owners, tenants, and insurance brokers alike. With infractions ranging from heating failures to illegal conversions, understanding these issues is essential for assessing risk and underwriting policies. Katie is based in Rhode Island.

Broker 52

Broker Insurance Broker Building Underwriter 52

Distinguished

SEPTEMBER 17, 2024

We sat down with Distinguished’s Builder’s Risk insurance expert, Susan DeCarlo, to discuss common factors that can lead to declinations in our program, how to avoid them, and key risk considerations. So, for example, on a new build if they’re 30 to 60 days in, we can consider that risk.

Risk 52

Risk Broker-Agent Deductible Insurer 52

AMAXX

JANUARY 13, 2025

Insurance Company: The Risk Bearer Often referred to as the underwriter, insurer, or carrier, the insurance company provides the workers’ compensation policy and assumes the employers risk. Brokers and Agents: Employer Advocates Brokers serve as intermediaries between employers and insurance companies.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Broker-Agent 98

Distinguished

SEPTEMBER 10, 2024

From hurricanes on the Gulf Coast to rapid urban development in cities like Birmingham and Huntsville, the need for comprehensive Builder’s Risk Insurance has never been more critical. To address these diverse risks, Distinguished’s Builder’s Risk Program offers tailored solutions for Alabama’s construction needs.

Risk 52

Risk General Liability Broker-Agent Insurer 52

Distinguished

AUGUST 26, 2024

However, alongside all of this construction comes large financial risks. For this reason, the need for comprehensive Builder’s Risk Insurance solutions is growing. Distinguished’s Builder’s Risk Program covers all kinds of buildings in Michigan, including single-family homes , mixed-use buildings , and commercial properties.

Risk 52

Risk Broker-Agent Insurer Insured 52

Distinguished

AUGUST 12, 2024

However, with growth comes risk, and that’s where Builder’s Risk insurance plays a critical role. In this article, we’ll take a deep dive into Distinguished’s Builder’s Risk insurance offerings in Georgia. How Much Does Builder’s Risk Cost in Georgia?

Risk 52

Risk Broker-Agent Insurer Insured 52

Distinguished

MARCH 6, 2025

In Los Angeles, housing code violations present challenges that affect property safety, compliance, and insurance underwriting. Insurers view these violations as signs of deferred maintenance and increased risk. What role can insurance brokers play in managing these challenges for their clients?

Building 59

Building Damage Insurance Broker Underwriter 59

Distinguished

AUGUST 5, 2024

What Specific Risks Do Toys Face? The top risks to toys, much like other collectibles, are theft, disappearance in transit, and accidental damage. However, beyond these primary risks, certain toys can have other risks as well. The nature of these risks will depend greatly on the kind of toy being insured.

Broker 52

Broker Insurer Insured Insurance 52

Distinguished

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. Additionally, Electrical Hazards like exposed wiring or unpermitted electrical workpose serious safety risks. Insurers view these violations as signs of deferred maintenance and increased risk.

Building 52

Building Broker Damage Insurance Broker 52

Distinguished

SEPTEMBER 25, 2024

An increase in construction also means an increase in financial risk. This is why the popularity of Builder’s Risk insurance is growing. Read on to learn more about the coverages, costs, and benefits that make Distinguished’s Builder’s Risk Program ideal for Tennessee’s booming industry. 

Risk 52

Risk Broker-Agent Insurer Insured 52

Distinguished

MARCH 21, 2025

In Chicago, housing code violations not only affect tenant safety and property values but also play a critical role in insurance risk assessments. Understanding these violationsfrom heating failures to structural hazardsis essential for insurance brokers advising property owners. Insurance brokers are pivotal in this arena.

Building 52

Building Insurance Broker Broker Damage 52

AMAXX

SEPTEMBER 23, 2024

This repeated exposure to risk increases the likelihood that larger claims might occur in the future, which alarms underwriters. Underwriters view very large losses as rare and unlikely to repeat. Since it doesn’t signal a systemic issue, it has less predictive value in determining future risks.

Workers Compensation 92

Workers Compensation Premium Compensation Workers Comp 92

Distinguished

JANUARY 28, 2025

Distinguisheds primary product is open in all states, can be a solution for any sized private or non-profit risk, and is customizable for most business classes including healthcare, technology, and education. Distinguished Executive Lines is supported by Covington Specialty Insurance Company, a subsidiary of RSUI Group, Inc.

Underwriter 52

Underwriter Underwriting Liability Broker 52

Distinguished

JANUARY 28, 2025

Distinguisheds primary product is open in all states, can be a solution for any sized private or non-profit risk, and is customizable for most business classes including healthcare, technology, and education. Distinguished Executive Lines is supported by Covington Specialty Insurance Company, a subsidiary of RSUI Group, Inc.

Underwriter 52

Underwriter Underwriting Liability Broker 52

American Agents Alliance

JULY 5, 2024

Agents and brokers can leverage data analytics to help reduce their E&O risk and mitigate losses in several ways. Ways to Leverage Data Analytics to Mitigate E&O Risk Here are some actionable ways independent agents and brokers can use data to mitigate their E&O risk.

Risk 40

Risk Broker-Agent Agents Policyholder 40

Distinguished

JANUARY 28, 2025

As a wholesale broker, understanding the intricacies of management liability insurance is essential to effectively guide your agents and clients through the process of securing the right coverage for their unique needs. From allegations of wrongful termination to breaches of fiduciary duty, the potential for lawsuits is always there.

Liability Insurance 52

Liability Insurance Liability Broker-Agent Insurer 52