Agency Height

JULY 31, 2025

Location and neighborhood claims history play a major role in rate calculations. Imagine this : You’ve done everything right, kept up with your home maintenance, paid your insurance premiums on time, never filed a claim. No damage to your home, no claims filed… and yet, your home insurance premium goes up at renewal.

Premium

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.

Agents

American Agents Alliance

APRIL 3, 2025

This drives up the cost to repair, impacting claims costs. Rising expenses could perhaps cause higher insured values, leading to policy adjustments and higher premiums. Many industries are feeling the uncertainty of tariffs and changing trade policies, which can make underwriting more challenging and pricing less certain.

Agents

Agency Height

AUGUST 4, 2025

Insurance License Guide Life Insurance Cost by State Insurance License Cost By State Insurance Careers Guide Highest Paying Insurance careers Top States for Insurance Careers Insurance Marketing Guide Insurance Marketing 101 Insurance Marketing Strategies Digital Marketing for Insurance Agents Sponsored Ads Get Insurance Request a Quote Get personalized (..)

Broker-Agent

AMAXX

MAY 26, 2025

But beneath the surface lies an intricate, interconnected web of stakeholders, each playing a unique role in managing the outcome of the claim. Insurance Carrier The carrier underwrites the policy and carries the financial risk for claims (in guaranteed cost programs). trust improves.

Workers Comp

Agency Height

JULY 8, 2025

Setting Up Your GMB Profile Like a Pro If you haven’t claimed your Google My Business profile yet, stop reading and go do it now. Before/After Claims: If appropriate and with client permission, show your response to claims – like being on-site after a storm or helping with a car accident.

Insurance Agent

Property Insurance Coverage Law

JULY 4, 2025

Jun 25, 2025 By Chip Merlin A Memorial Day Reflection on USAA and Its History of Insuring Military Families May 26, 2025 By Chip Merlin We’re Ready to Serve You Our firm represents residential, commercial, and government policyholders seeking timely, fair, and proper compensation from their insurance carrier.

Policyholder

Boyle Agency Insurance

FEBRUARY 20, 2025

Great Protection – Fair Price Bogle Agency Insurance of Lyndhurst NJ offers Chubb Masterpiece Homeowners Insurance to NJ homeowners. Chubb is a top American insurance carrier that offers a quality product to NJ homeowners to protect their most valuable asset, their home.

Insurer

AMAXX

JUNE 19, 2025

Audit your policies for: Wage continuation programs that exceed pre-injury earnings (especially since workers’ comp is tax-free) Accrual of vacation/sick time during time off Seniority rules that reward time away from work Other “perk continuations” like gym memberships or car allowances Work with union leadership to address these disincentives.

Workers Comp

Insurance Journal

JANUARY 9, 2025

If insurance carriers want to have dibs on a company’s assets as premium security or collateral, they had better specify that those assets include potential tort-claim settlements, a federal appeals court said Wednesday. In a case that involved a Florida …

Claim

Insurance Journal

NOVEMBER 19, 2024

Insurance carriers may want to examine policy language – and what information they request from insureds – after the U.S. Supreme Court let stand a lower court’s ruling which could force Argo Group to cover claims that a wood-treating company …

Insurance Carrier

Insurance Journal

DECEMBER 1, 2024

By William Rabb Insurance carriers may want to examine policy language — and what information they request from insureds — after the U.S. Supreme Court let stand a lower court’s ruling which could force Argo Group to cover claims that …

Insurance Carrier

Insurance Journal

DECEMBER 15, 2024

Courts across the country have overwhelmingly ruled in favor of insurance carriers in claims disputes following the government-ordered closures of businesses during the COVID-19 pandemic. The North Carolina Supreme Court last week bucked that trend, becoming just the second state …

Insurance Carrier

Insurance Journal

OCTOBER 16, 2024

After at least three appeals court decisions in the last four years, homeowner lawsuits that take issue with a Florida insurance carrier’s managed repair program may finally have run their course. “It really should” be a nail in the coffin …

Insurance Carrier

Wren Insurance Agency

AUGUST 7, 2024

When it comes to home and auto insurance - with very few exceptions - did you know that you can change your insurance carrier at any time? Citizens - the State-backed home insurer is one of the only exceptions to this. Citizens - the State-backed home insurer is one of the only exceptions to this.

Insurance Carrier

Wren Insurance Agency

OCTOBER 23, 2024

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. That annual cap is 14% for 2024 and 15% for 2025.

Policy

AMAXX

JULY 15, 2024

One of the most critical aspects of managing workers’ compensation claims is ensuring that injured employees receive prompt medical treatment. Unfortunately, a common procedural mistake can leave employees in a painful and detrimental limbo: the delay of care due to technicalities in insurance coverage.

Workers Compensation

Wren Insurance Agency

NOVEMBER 13, 2024

Costs can be higher for policyholders and if a surplus lines carrier goes insolvent, existing claims will not be paid by the State.

Insurance Carrier

Risk Management Monitor

AUGUST 9, 2022

As companies assess their natural disaster preparedness, there are some proactive measures that should be taken specifically for hail to leave organizations best positioned for any resulting insurance claims. Let’s say you operate a business in Plano, Texas, and have a commercial property policy with a renewal date of January 1, 2022.

Damage

ProWriters

SEPTEMBER 23, 2024

Your business clients need Employment Practices Liability (EPL) Insurance , or EPLI. Without it, they risk incurring substantial expenses in employment-related claims. Why Do Businesses Need EPL Insurance Coverage? EPL policies are important to have in place,” explains Heckman, “especially for smaller businesses.

Out-Of-Pocket

TGS

SEPTEMBER 6, 2023

TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.

Insurance Policy

Word & Brown

SEPTEMBER 25, 2024

According to reporting last year by KFF (the independent source for health policy research, polling, and journalism formerly known as the Kaiser Family Foundation) data from insurers for Affordable Care Act Marketplace plans show nearly 17% of in-network claims were denied in 2021.

Claim

TGS

SEPTEMBER 14, 2023

Additional Interest Explained Additional insured and additional interest are two very different roles that a person can play as a part of your insurance policy. In short, an additional insured is covered by your insurance, while an additional interest is not. What Is An Additional Insured?

Policy

AMAXX

JANUARY 13, 2025

Navigating workers’ compensation can be complex, with various parties working together to ensure effective claims management and cost containment. They are a vital entity, as they not only handle premium collections but also pay out claims to cover medical expenses and wage replacement for injured employees.

Workers Compensation

Friendly Agent

SEPTEMBER 21, 2020

Deciding which product to sell On your way to becoming the full-fledged insurance agent, among the things you will have to do is to decide which products you will sell. You may find various types of personal insurance and commercial insurance policies. There are Property and Casualty, Life/health insurance, and more.

Insurance Agent

Bankers Insurance

SEPTEMBER 12, 2023

By: Dwight West | Commercial Insurance Advisor dwest@bankersinsurance.net | (757) 591-3166 WHAT IS SUBROGATION? This concept is typically applied in automobile insurance, both personal and business, and is also found in property, general liability, and worker’s compensation insurance. WHEN DOES SUBROGATION OCCUR?

Insurance Carrier

American Agents Alliance

OCTOBER 24, 2024

By Mark Robinson In July 2024, a significant class action lawsuit was filed against the California FAIR Plan, accusing the state’s fire insurance backstop of improperly denying smoke damage claims in violation of California Insurance Code Sections 2070 and 2071.

Damage

Wren Insurance Agency

AUGUST 28, 2024

At Wren, because we are protection minded, we always quote our home insurance policies using Replacement Cost Value (also known as RCV) on contents, versus Actual Cash Value (ACV). Now, due to a claim (tied to a weather event, fire, theft, etc.), it would take $1,500 to purchase that same couch today.

Home Insurance

ProWriters

OCTOBER 2, 2024

As an insurance broker, you likely recognize that while these technologies drive business operations, they also increase vulnerability to cyber crime, making Cyber Insurance a necessity for your clients. Helping your clients understand cyber risks and Cyber Insurance policy jargon can be challenging.

Insurance Broker

TGS

SEPTEMBER 22, 2023

Receiving the news that you can’t just automatically renew your home insurance policy can be shocking and stressful. Unlike a policy cancellation, which can happen at any time, a non renewal can only occur at the end of your contract each year, when your policy is up for renewal. Shop for a new policy with other carriers.

Insurance Carrier

Scott Insurance

JANUARY 31, 2024

Although individual rates are based on specific factors such as location, credit score, claims history, age of dwelling and deductible, some general trends are leading to higher rates across the board. Increased Replacement costs Most homeowners policies are designed to completely pay for replacing a home in the event of a total loss.

Premium

TGS

OCTOBER 3, 2023

TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.

Insurance Quotes

ProWriters

APRIL 3, 2024

As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. Both types of policies involve legal liabilities and are important. Coverage of settlements or judgments awarded against the insured. What does EPLI not cover?

Liability

TGS

OCTOBER 6, 2023

TGS Insurance » Blog Who to List as a Named Insured on Your Homeowners Policy When your living situation changes, it’s important to make sure your insurance still makes sense. A big first step is confirming that you have the correct person or people listed on your homeowners policy!

Home Insurance

TGS

OCTOBER 17, 2023

Insurance agencies can be sorted into two categories: captive and independent. A captive agency is tied to one insurance carrier, which means these agents are biased to make money for their specific carrier. On the flip side, an independent agency works fluidly with several insurance carriers.

Insurance Agent

Boyle Agency Insurance

DECEMBER 31, 2024

Great Protection – Fair Price Bogle Agency Insurance of Lyndhurst NJ offers Chubb Masterpiece Homeowners Insurance to NJ homeowners. Chubb is a top American insurance carrier that offers a quality product to NJ homeowners to protect their most valuable asset, their home.

Insurer

LexisNexis

AUGUST 27, 2024

Learn about the steps businesses should take to recover on the business interruption, including contract and indemnity claims, caused by this software failure. Cybersecurity Insurance Analyze types of risk to an enterprise that may be covered by cybersecurity insurance.

Cyber