Property Insurance Coverage Law

APRIL 28, 2025

When a devastating fire damages a building and a municipality orders it razed, the instinctive reaction of many policyholders is to expect that their insurance will cover the total loss.

Policyholder

Property Insurance Coverage Law

APRIL 30, 2025

The article … The post Understanding the Total Constructive Loss Doctrine in Property Insurance Policies appeared first on Property Insurance Coverage Law Blog.

Property Insurance

Solstice Insurance Broker

JANUARY 23, 2025

Brokers should advocate for clients year-round, assisting with claims and policy updates. Be the Lighthouse In the often murky waters of insurance jargon and policy complexities, your role as an insurance broker is akin to a lighthouse. Be proactive about policy updates that might affect them.

Out-Of-Pocket

Final Expense Brokerage

JANUARY 29, 2025

Selecting the Right Products for Your Clients Offering the right products to your clients is critical in building trust and ensuring their needs are met. Term Life Insurance : While less common for final expenses, some clients may prefer a term policy for its lower initial costs.

Insurance Agent

AMAXX

MAY 14, 2025

Heres how to build a strong, accountable workers comp teamand why its the foundation of success. This kind of clarity builds trust, improves communication, and fosters accountability from all stakeholders. Month 34: Launch branded injury response brochures and return-to-work policy. Build your identity. Assign a leader.

Workers Comp

Final Expense Brokerage

JULY 23, 2025

Use this life insurance objection rebuttal cheat sheet to overcome common concerns, build rapport, and boost your placement ratio. Highlight budget-friendly final expense plans and flexible policy options. Client, is it the price or this specific policy that you need to think about? This builds authority and trust.

Life Insurance

Distinguished

MAY 19, 2025

A Business Owners Policy, commonly known asa BOP bundles essential protections like property, general liability, and liquor liability into one streamlined solution. What is a Business Owners Policy (BOP)? A BOP is an efficient way to safeguard against these operational risks with one comprehensive policy.

Policy

Property Insurance Coverage Law

FEBRUARY 4, 2025

Resilience extends beyond individual buildings and cities; it requires a regional and national approach to infrastructure development. Coordinated efforts between federal, state, and local governments create cohesive policies that address large-scale vulnerabilities.

Damage

LexisNexis

JULY 29, 2025

Learn about the implications of form policies in regulatory disputes and coverage litigation. Standard Insurance Policy Forms Fundamentals Analyze the genesis and use of standardized insurance policy forms and the identity and background of the entities primarily responsible for their creation.

Insurance Policy

Distinguished

JULY 7, 2025

Brokers, your next course will be featuring our Business Owner’s Policy (BOP), prepared by our Restaurant experts. If you missed our recent webinar, “Business Owner’s Policy (BOP) for Restaurants: Protection from Prep to Plate,” don’t worry. Q: Are there restrictions on building age or construction type?

Policy

Redbird Agents

FEBRUARY 3, 2025

How Final Expense Commissions Work Final expense insurance is typically sold as a simplified issue whole life policy, meaning no medical exams are required, and policies are issued quickly. If a policy lapses within the first six to nine months, the insurance company will take back your commission through a chargeback.

Agents

Redbird Agents

FEBRUARY 3, 2025

Some simply provide carrier contracts, while others actively support agents in building and growing their business. Business transparency: Clear commission structures, contract policies, and agent-first service. Do your due diligence, the best FMOs help you build a business, not just push policies.

Agents

AMAXX

APRIL 30, 2025

Systematized communication helps prevent injuries from becoming high-cost claims, reduces litigation, builds trust with employees, and improves return-to-work outcomes all without needing constant intervention from every department. They build repeatable systems. Communication is the core of human interaction.

Workers Comp

LexisNexis

JULY 22, 2025

Because standard policy forms are not just about saving time on drafting. Read now » Related Content Standard Insurance Policy Forms Fundamentals Checklist Peruse this overview of standard insurance policy forms to build your understanding of their history, nature, and purposes.

Insurance Policy

Neilson Marketing Services

JANUARY 30, 2025

A well-crafted insurance agency website is an essential tool for building credibility, attracting potential clients, and converting leads. Trust is a key factor in insurance sales, and content that tells a story, rather than just listing services, builds credibility and fosters client relationships.

Insurance Agency

Redbird Agents

FEBRUARY 4, 2025

For insurance agents selling final expense policies , staying informed about the funeral industry and consumer trends is essential. Consumer behaviors and industry trends shape the size and structure of policies people are purchasing. For example, one major trend is the declining face amounts of final expense policies.

Agents

Cowbell

MAY 29, 2025

At Cowbell, we believe Internet Safety Month is the perfect opportunity to review and reinforce your organizations cybersecurity posture and build long-term cyber resilience. 7 Steps to Build Cyber Resilience 1. Setting a patch management policy will be crucial in helping your company be better protected from cyberattacks.

Cyber

Protect Commercial Insurance

APRIL 11, 2025

This type of policy covers a wide array of potential hazards, including fire, theft, vandalism, and certain natural disasters. The policies are often tailored to meet the specific needs of different industries, whether you own a quaint bakery on the high street or a bustling tech startup in the middle of a business district.

Commercial Property

Redbird Agents

FEBRUARY 4, 2025

For insurance agents, managing chargebacks and financial obligations responsibly is a crucial part of building a successful career. Advanced commissions allow you to receive six to nine months of commissions upfront when a policy is sold. Sell to qualified clients who can afford their policies long-term.

Agents

Distinguished

MARCH 20, 2025

For instance, problems with roofs and exterior wallssuch as cracks, leaks, or deteriorating materialscan weaken a buildings overall integrity, while foundation issues like uneven or shifting bases create serious safety hazards. Both resolved and unresolved violations can affect the terms, premiums, and overall coverage of these policies.

Broker

Protect Commercial Insurance

JUNE 6, 2025

Definition and Scope Commercial property insurance is a policy designed to protect businesses from financial losses related to damage or destruction of their physical assets. This includes buildings, equipment, furnishings, inventory, and exterior fixtures.

Commercial Property

Distinguished

MARCH 6, 2025

Other notable issues include illegal conversions where garages, basements, or other spaces are converted into living areas without proper permitswhich are particularly common in older buildings. After a report is filed, an inspector from the Los Angeles Housing Department or Building and Safety is dispatched to evaluate the situation.

Building

Scott Insurance

FEBRUARY 19, 2025

If heavy machinery is used in proximity to the existing apartment buildings, it raises the potential for accidents or property damage. Many builders risk insurers simply refuse to cover the existing structures during a rehab, forcing owners to secure both a builders risk policy and standalone property coverage for the existing structures.

Underwriting

Redbird Agents

FEBRUARY 3, 2025

The agents who stay focused on final expense are the ones who make more sales, serve more clients, and ultimately build a thriving business. At that moment, its tempting to jump in and try to sell them another policy. This ensures you stay on track, close more deals, and build a stronger client relationship.

Agents

AMAXX

JUNE 3, 2025

Most onboarding programs include policies and procedures but few include a proactive, human explanation of the workers comp process. Introduce the Transitional Duty Policy Early Many employees believe they must be fully healed before returning to work which delays recovery and increases claim costs. Here’s how.

Injury

Boyle Agency Insurance

FEBRUARY 3, 2025

Contact your insurance provider to discuss adjusting your policy to cover the updated value of your property. Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods.

Home Insurance

Neilson Marketing Services

MAY 6, 2025

They build brand equity. They still compare policies, search Google for answers, and research companies online. Visibility builds momentum, and momentum drives growth. Is my commercial policy still right for my business? Build trust through testimonials, reviews, and up-to-date bios. They gain visibility.

Building

TGS

JUNE 11, 2025

Whether you’re a first-time homeowner or have held a policy for decades, it’s crucial to understand what your home insurance doesn’t cover just as much as what it does. Flood Damage: Not Covered by Standard Policies Here’s the big one. Not only is it disgusting—it’s often not covered under a standard home policy.

Home Insurance

PSM Brokerage

FEBRUARY 14, 2025

By following our proven blueprint, you'll have the tools to build a motivated, skilled, and compliant team to drive growth in your agency. Conclusion: Building a Scalable LOA Team By following this blueprint, insurance agents can efficiently recruit, train, and manage Licensed-Only Agents to scale their business. Download I.

License

Mark Jackson Insurance Agency

JUNE 16, 2025

From underinsuring key assets to misunderstanding policy exclusions, commercial insurance missteps can leave your business exposed to financial loss. Conduct regular reviews to update building, contents, and inventory limits. Overlooking Liability Exposures Not all liability is covered by a standard general liability policy.

Commercial Insurance

American Agents Alliance

JULY 20, 2025

By automating repetitive tasks, agents have more time for building relationships, developing trust, and showing empathy. Build proactive touchpoints into automation. There are many opportunities to build proactive touchpoints into automated workflows.

Policyholder

Tosten Marketing

JANUARY 27, 2025

Write blog posts that address common insurance questions or explain complex policies simply. Create short explainer videos about different types of insurance policies to engage your audience. How to Build a Powerful Referral Network Insurance brokers thrive on relationships. Video content proves particularly effective.

Insurance Broker

Simply Insurance

JUNE 11, 2025

How Much Is A $100,000 Life Insurance Policy? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. DP2 - Replacement Cost The (DP-2) policy will give you more coverage than the DP-1.

Insurance Quotes

Distinguished

MARCH 19, 2025

For buildings constructed before June 13, 1979, strict rent control laws apply. These include unstable buildings, unsafe stairways, or poorly maintained common areas like balconies and porches. Once a report is filed, the Department of Building Inspection (DBI) conducts an inspection. First, there are Rent Control Violations.

Building

Simply Insurance

JUNE 12, 2025

How Much Is A $100,000 Life Insurance Policy? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. DP2 - Replacement Cost The (DP-2) policy will give you more coverage than the DP-1.

Insurance Quotes

Tosten Marketing

APRIL 7, 2025

How to Build a Powerful Online Presence In today’s digital age, a strong online presence is essential for insurance agencies. Building a strong online presence requires consistent effort and adaptation to changing digital trends. Segment your email list based on policy types, renewal dates, or customer lifecycle stages.

Insurance Agency

Redbird Agents

JUNE 5, 2025

Here’s why you should pay attention: Great market: Over 16 million people enrolled through Healthcare.gov in 2024 alone, it’s a great way to build a foundation of strong relationships that you can serve for many years. to build trust and traffic. Easy cross-sell: ACA clients often need dental, vision, life insurance, or even annuities.

Insurance