Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Tort reform is discussed as a legislative solution to the challenge of legal system abuse excessive policyholder or plaintiff attorney practices that increase costs and time to settle insurance claims. According to IRC, the rate for private passenger litigation in Georgia is nearly three times that in the median state.

Commercial General Liability

American Agents Alliance

MAY 26, 2025

Agents can differentiate themselves and add value to their services by helping policyholders proactively manage risk, not just insure it. Risk management solutions can help lower a policyholders total cost of risk and increase retention. When risks are managed well, policyholders can save money on premiums.

Agents

American Agents Alliance

APRIL 3, 2025

While the relationship between tariffs and insurance costs can seem unrelated, tariffs can increase costs for insurers and policyholders. Read more to understand this relationship and how agents can help policyholders manage this uncertainty. This could cause higher rates in commercial property and homeowners lines.

Agents

Zywave

JUNE 10, 2025

These innovations empower our customers to achieve higher performance, close deals faster, and enhance their overall effectiveness in serving clients and policyholders.” Zywave CPQ – Benefits: Enhances the Dental & Vision shopping experience to allow for a comprehensive view of insurance options, improving the quoting process.

Commercial Automobile

Distinguished

MARCH 20, 2025

These cases often focus on whether an insurer is required to cover damages when a policyholder has violated housing codes or other regulations. Yes, several legal precedents have shaped how housing violations impact insurance coverage.

Broker

Property Insurance Coverage Law

JULY 4, 2025

Established in 1985, Merlin Law Group is a insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. The Policyholder's Advocate® Call Now • Open 24/7 (877) 449-4700 Office Locations Tampa 777 S Harbour Island Blvd. Contact us today!

Policyholder

LexisNexis

JULY 22, 2025

ISO Form CG 00 65 04 13 (Commercial General Liability - Electronic Data Liability Coverage Form) Dive into the Insurance Services Office (ISO) form addressing an insurer’s payment of the sums an insured becomes legally obligated to pay as damages because of "loss of electronic data" to which the insurance applies.

Insurance Policy

LexisNexis

JULY 1, 2025

Single-Year, Multi-Year, and Multi-Policy Insurance Coverage Claims Disputes Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply. Discover how nothing says “legacy risk” like a 1972 occurrence clause.

Policy

Cowbell

JUNE 30, 2025

Over the past quarter, Cowbell has redefined the pace and potential of innovation in commercial insurance. This dual-channel innovation sets a new standard for digital distribution across commercial P&C lines. In this environment, the need for a unified, global approach to commercial insurance has never been greater.

Cyber

Cowbell

MARCH 30, 2025

With each expansion, we refine our underwriting models in real-time, anchoring our promise to swiftly pay claimsover $250 million disbursed to datewhen policyholders need us most. These deployments supercharge data-driven underwriting, expedite claims management, and deliver real-time insights for brokers and policyholders worldwide.

Cyber

Distinguished

JUNE 2, 2025

Distinguished offers three core programs tailored to Ohio’s rental property landscape: City landlord insurance : For owners of 2-100 unit properties, including mixed-use buildings with commercial tenants. City multi-family landlord insurance : Ideal for 2-4 unit properties, whether fully rented or partially owner-occupied.

Liability

Agency Height

JULY 31, 2025

When an insurer assesses your premium, they evaluate you as an individual policyholder and the broader environment around you —especially your ZIP code or even block. Here’s the straight truth: insurance is not just about your home; it’s about the risk profile of your entire area. If your neighbor’s house catches fire, it’s a data point.

Premium

Distinguished

JULY 9, 2025

At Distinguished, we’ve built a flexible, agent-friendly Surety Bond Program that covers both commercial and contract surety needs, with high capacity, fast approvals, and the underwriting expertise to handle everything from standard requests to complex accounts. What Are Commercial and Contract Surety Bonds?

Agents

Distinguished

JULY 9, 2025

At Distinguished, we’ve built a flexible, agent-friendly Surety Bond Program that covers both commercial and contract surety needs, with high capacity, fast approvals, and the underwriting expertise to handle everything from standard requests to complex accounts. What Are Commercial and Contract Surety Bonds?

Agents

LexisNexis

MAY 28, 2025

Learn about response strategies for coverage counsel to consider as insurers brace for litigation and policyholders prepare to push back on denied claims.

Commercial Property

Distinguished

JULY 7, 2025

Insurance agents and brokers looking to get more business from landlord clients will need access to a program that can insure multiple units or buildings, including a mix of landlord, commercial, and tenant-occupied spaces. It can also include commercial, personal use, or rented units.

Building

Triple-I: Homeowners Insurance

MARCH 13, 2025

Property and casualty insurers are no less concerned, as the cost of repairing and replacing damaged property is a driver of claim costs and, ultimately, policyholder premiums. Tariffs and threats of tariffs have been roiling financial markets since January.

Casualty Insurance

LexisNexis

JUNE 10, 2025

Cannabis Insurance for MRBs: Guidance on Coverage and Exclusions for Policyholders and Insurers Discover the specifics of representative insurance policies that MRBs routinely need. Practical Guidance Updates Featuring the latest updates from your Practical Guidance account.

Commercial Property

LexisNexis

MAY 6, 2025

Personal and Advertising Injury Insurance Coverage Learn about the insurance coverage available to a policyholder for claims alleging personal injury and advertising injury, with a focus on the Commercial General Liability Policy.

Commercial General Liability

Property Insurance Coverage Law

SEPTEMBER 4, 2024

The duties of an insurance agent to the policyholder will differ depending on state law. Yesterday’s post about a Michigan coverage case, Order and Bind Insurance Before the Loss—Commercial Policy Covers Water Damage Under Drain Backup Endorsement, noted that there was also an issue with insurance agent negligence.

Policyholder

Cowbell

JULY 21, 2025

Learn More about how Cowbell and Verified Backups work together to deliver high-quality cybersecurity solutions to Cowbell policyholders. According to Monroe Aerospace, commercial airplanes undergo a basic inspection every two days on average. What are some things we test frequently? 1) Airline engines.

Cyber

Property Insurance Coverage Law

SEPTEMBER 26, 2024

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

Policyholder

Insurance Journal

OCTOBER 11, 2024

Insurance agents and carriers in the path of Hurricane Milton reported only minor damage to their own offices and homes but a rapidly growing number of claims from residential and commercial policyholders for roof, flood and auto damage. The Florida …

Damage

Insurance Journal

MAY 12, 2025

Commercial property insurer FM announced an enhanced $1 billion membership credit for eligible mutual policyholders, allowing client-owners to receive more credit sooner. Johnston, Rhode Island-based FM said May 5 that with this year’s credit, FM will have returned more than …

Commercial Property

Property Insurance Coverage Law

SEPTEMBER 10, 2024

Resolving disputes through appraisal or arbitration may be, but is certainly not always, less costly and efficient.

Business Interruption

Bankers Insurance

AUGUST 8, 2024

THE IMPORTANCE OF ACCURATE VALUATION IN COMMERCIAL PROPERTY INSURANCE When purchasing or renewing commercial property insurance , it’s important for businesses to ensure their coverage includes correct property valuations. In fact, an estimated 75% of commercial properties are underinsured by 40% or more, according to industry data.

Commercial Property

Protect Commercial Insurance

MAY 13, 2021

The following 5 Permissions are necessary if you’re advising or transacting on Commercial Insurance 1. For example, helping a potential policyholder to fill in a proposal form or introducing a customer to another intermediary, either for advice or to help arrange an insurance policy. first appeared on Protect Commercial Insurance.

Commercial Insurance

Property Insurance Coverage Law

NOVEMBER 2, 2024

As the traditional insurance market continues to harden, policyholders are increasingly exploring parametric hurricane insurance as a complement and sometimes a substitute to their existing property insurance coverage.

Policyholder

Protect Commercial Insurance

DECEMBER 6, 2024

Introduction The world of commercial insurance is constantly evolving, adapting to meet the changing needs of businesses. Whether you’re a small business owner, an industry leader, or just curious about the future, understanding these key trends will be essential in navigating the commercial insurance world.

Commercial Insurance

Protect Commercial Insurance

JUNE 27, 2024

Introduction Navigating the world of commercial insurance can often feel like walking through a dense fog of myths and misconceptions. Unfortunately, the abundance of myths surrounding commercial insurance may lead many business owners to make decisions that are not in their best interest. This is far from the truth.

Commercial Insurance

Property Insurance Coverage Law

NOVEMBER 24, 2024

Insurance policies that provide broad coverage across multiple items or locations can be a policyholder’s best friend. A recent federal court decision in Louisiana 1 highlights the complexities in determining whether a policy provides blanket or scheduled coverage – a distinction that can significantly impact claim payments.

Policy

Paragon Independent Insurance Agencies

JUNE 14, 2024

Filing a commercial claim is a complex and daunting process, especially for business owners unfamiliar with the ins and outs of insurance policies. If the policyholder makes mistakes during the claims process, it can lead to delays, denials, or underpayment of claims, which can significantly impact a business’s financial stability.

Commercial Insurance

LexisNexis

APRIL 1, 2025

Read now » Related Content Builders Risk Insurance and Its Use in Construction Projects Discover the unusual characteristics of builders risk insurance and how features of the coverage differentiate it from other commercial policies that can afford some, but not identical, protection to the policyholder.

Commercial General Liability

Triple-I: Business Insurance

JUNE 8, 2022

With this in mind, 73 percent of policyholders said they consider climate change one of their primary concerns, compared with 40 percent of insurers. “Insurers who prioritize focus on sustainability will be making smart long-term business decisions that will positively impact their future relevance and growth.

Policyholder

American Agents Alliance

APRIL 28, 2025

Small commercial clients have specialized needs and unique coverage circumstances. With over 33 million small businesses in the US, the small commercial space could be an untapped market for many independent insurance agents. Help small commercial clients plan for growth, not just protection.

Agents

American Agents Alliance

MAY 15, 2025

Policyholders are enjoying recreational activities like pools and backyard BBQs, hosting family and friends, and traveling to local events and weekend getaways. While fun, these activities can increase summertime risks for policyholders. Some exposures heat up in the hot weather. Wildfire and drought-related property risks.

Risk

Protect Commercial Insurance

JANUARY 21, 2021

The updated key takeaways for policyholders are as follows: 1: Notifiable Disease: cover will be available under all of the Notifiable Disease extensions considered by the Supreme Court for losses caused by the wider COVID-19 pandemic. Protect Commercial Team.

Business Interruption