| |  | | | Special Feature * Advantages of Big 'I' Membership * Agency Management * Back to Basics * Commercial Lines * Personal Lines * Insurance Laws & Statutes/Coverage Resources |
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| | If your agency wants to do more on social media but struggles to find the time to create content and keep on top of regularly posting, a new product available through Trusted Choice – Social Jazz, is the solution you’ve been waiting for. This new tool allows you to automatically create a 12-month social media calendar with just a few minutes of set-up and directly posts to your accounts each week. You can select the topics that are relevant to your agency as well as your region then see your custom content calendar come together. |
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| | Producers often work for the agency with a lot of independence. Does that make them independent contractors rather than employees? What if they're paid as 1099 workers rather than receiving W2s? Obviously, their employment status can affect how they're viewed by the IRS and your state labor department with regard to workers compensation coverage. |
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| | Learn the key questions to help clients avoid hiring bad and unethical Public Adjusters. |
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| | In recent months, this has become a hot topic: Can our agency cancel or non-renew a nightmare client? |
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| | A glossary of workers’ compensation terms. |
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| | This article is about the often misunderstood exposure of discontinued operations. While your Technical Affairs Committee continues to work with ISO to develop stronger coverage for discontinued businesses, this article describes the current state of discontinued ops. With so many business owners retiring and the increased merger and acquisition environment, this issue is front and center on the Big "I"s radar. |
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| | Unlike the simple ISO HO policy, the ISO CGL policy has no specific professional liability exclusion. As a result, sometimes it can be difficult to determine whether a claim is an "occurrence" and covered by the CGL or an "act, erroror omission" and not covered. In this article, we'll explore this issue and include a dynamite download from an attorney who has examined the legal precedents. |
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| | Many consultancies begin out of necessity. An older worker may face a layoff and be unable to quickly find new employment. Professions such as information technology, the finance industry and construction/manufacturing seem to be the most flagrant violators of age discrimination laws. Those over forty who cannot quickly find employment after a downsizing may decide to begin their own consultancy. Others begin businesses to devote more time at home to growing families. No matter the reason, many of your insureds will begin consultancies and may not realize the business exposures they face. You can grow your business by helping these fledgling entrepreneurs better protect themselves as they form and grow their businesses. |
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| | This piece answers three condo questions for unit owners. First, when the unit owner is responsible for insuring unit improvements and betterments, is this limited to improvements made by them or any previous owner? Second, should the unit owner’s mortgagee be added as an additional insured or mortgagee on the association’s master policy? And lastly, how should agents respond when the mortgagee is requiring Coverage A limits equal to the loan amount? |
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| | We find that often there is a misconception that listing someone as a driver on an auto policy automatically makes them an insured or that someone is not an insured because they are not listed as a driver. The reality is that the policy language is what governs and listing as a driver is more often an underwriting and rating tool. But there are exceptions…caveat emptor! |
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| | Insurance Services Office (ISO), based on a 2016 survey of millennials, recently introduced the PM 00 43 – Your Belongings Form to allow insureds without a perceived need for a homeowners’ policy to extend coverage to their personal property anywhere in the world. The form indicates a March 2019 effective date. |
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| | Constant debate swirls around the difference between independent contractors and employees. It seems that every contractor wants everyone to believe that everyone on the job site is an independent contractor; but we know that’s not true. Use these 17 “tests” to differentiate between a de facto employee and a true independent contractor. |
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