Misclassifying Employees as Independent Contractors
If a contractor client converts a few employees to independent contractors, you could get in trouble for proceeding with the workers’ comp policy.
Coverage Issues
How Will Increased Construction Costs Affect Coverage A?
Are soaring construction costs wreaking havoc on replacement cost estimators? We looked into market conditions and property values.
Can Mortgage Lenders Require Coverage for the Full Loan Value?
It depends on the state where the practice occurs and the type of financial institution and/or loan.
Issuing Insurance ID Cards
Should an insurance ID card be issued for a 6-month or 12-month period?
My carrier says a condo unit owner doesn’t need Coverage A. Is that right?
It is highly unlikely that your unit owner would not have to insure any amount of Coverage A.
What Personal Liability Coverage Does a Gun Owner Have?
There’s a tremendous gap in understanding between the general public and the insurance industry on liability, intentional and criminal acts, and insurability.
Sample letter: Customers Choosing Lower Limits
To help your agency document its due diligence when an insured or applicant chooses auto liability limits which are less than those suggested by the agency, we’ve prepared a sample letter, which can be modified to suit your particular needs.