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Named Perils vs Open Perils Special Form: How Property Form Choice Affects Coverage and Claims Bottom line: For most commercial property placements, the ISO Spe
Umbrella vs Excess Liability: Drop-Down Coverage, Retained Limits, and When Each Structure Makes Sense Bottom line: Both policies increase the total limits avai
How to Place AI Liability Insurance for Clients Using AI in Their Business Nearly every business client you serve is now using artificial intelligence in some f
Ransomware Coverage Gaps: What Your Clients' Cyber Policies Actually Pay Clients who experience a ransomware attack frequently discover their cyber policy pays
How to Explain COBRA Continuation Coverage to Employer Clients and Departing Employees COBRA continuation coverage under ERISA §§601–608 and IRC §4980B allows q
How to Evaluate and Implement an ICHRA for Employer Clients An Individual Coverage HRA ICHRA is an employer-funded arrangement under IRC §106d that reimburses e
How Workers' Compensation Insurance Works and How Premium Is Calculated Workers' compensation/glossary/workers-compensation is state-mandated coverage in 49 sta
How to Evaluate and Recommend Employment Practices Liability Insurance Employment practices liability insurance responds to claims by current, former, or prospe
How to Set Business Income Limits That Actually Cover a Major Loss Business income coverage under ISO CP 00 30 pays actual net income plus continuing operating
How to Issue a Certificate of Insurance: Broker Responsibilities, Common Errors, and E&O Exposure A certificate of insurance is the most frequently issued docum