Insurance Technical Consulting

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Duty to Defend

Duty to Defend

Duty to Defend 2 minute read It is well settled that…

Operations Limitation

Operations Limitation

Operations Limitation 2 minute read Does that quote include an Operations…

Auto Loan/Lease Gap

Auto Loan/Lease Gap

Auto Loan/Lease Gap 2 minute read Everyone knows the adage that…

Utility Services

Utility Services

Utility Services 2 minute read Consider these loss scenarios: A fire…

Dependent Business Income – Part 2

Dependent Business Income – Part 2

Dependent Business Income – Part 2 2 minute read ISO uses…

Dependent Business Income

Dependent Business Income

Dependent Business Income 2 minute read Contemplate these loss scenarios: A…

Educators Legal Liability

Educators Legal Liability

Educators Legal Liability, or ELL, is a hybrid of other known…

Leasehold Interest

Leasehold Interest

Leasehold Interest 1 minute read Tenants sometimes have favorable building leases,…

Composite Rating

Composite Rating

Composite Rating 1 minute read For policies with 10+ GL classifications,…

Managing Non-Owned Auto Exposure

Managing Non-Owned Auto Exposure

Managing Non-Owned Auto Exposure 2 minute read Many businesses have non-owned…

Stand Alone Extra Expense

Stand Alone Extra Expense

Stand Alone Extra Expense 2 minute read BusinessIncomeAndExtraExpense. Sometimes we spit…

Event Cancellation

Event Cancellation

Event Cancellation 2 minute read It’s not Event Insurance, it’s Event…

Extended Business Income and                 Extended Period of Indemnity

Extended Business Income and Extended Period of Indemnity

Who gives these confusing names, anyway?

Alternatives to Coinsurance for Business Income – Part 2

Alternatives to Coinsurance for Business Income – Part 2

Does Business Income require coinsurance?

Alternatives to Coinsurance for Business Income – Part 1

Alternatives to Coinsurance for Business Income – Part 1

Does Business Income for Property require coinsurance?

Business Income for Auto

Business Income for Auto

Does your prospect need BI for their autos?

War Exclusions in Cyber

War Exclusions in Cyber

Is that war exclusion in the cyber policy innocuous?

Voluntary Property Damage

Voluntary Property Damage

What is Voluntary Property Damage coverage, and who needs it?

Host Liquor Liability

Host Liquor Liability

What is Host Liquor Liability, and who needs this coverage?

TRIVIA WINNERS

TRIVIA WINNERS

Insurance Technical Consulting is happy to announce the winners of the…

Dealers Open Lot

Dealers Open Lot

Car dealers operate a unique type of business, and need a…

Garage Liability

Garage Liability

What is the difference between Garage Liability and Garagekeepers Legal Liability?

Garagekeepers

Garagekeepers

What is the difference between Garage Liability and Garagekeepers Legal Liability?

Debris Removal

Debris Removal

Debris Removal is often an overlooked expense – that is, until…

Specified Causes of Loss

Specified Causes of Loss

Looking for a way to reduce Auto insurance costs during the…

First Named Insured

First Named Insured

Does it matter which Insured is listed first?

GL Aggregate Types

GL Aggregate Types

Which type of Aggregate Limit does your prospect need?

How GL Aggregates Work

How GL Aggregates Work

There are so many limits on a General Liability policy, it…

VINs

VINs

Is a VIN just a serial number? How is it assigned,…

Vegetation

Vegetation

Is your prospect’s vegetation covered? Does the business owner think it’s…

Employment Practices Liability

Employment Practices Liability

What is Employment Practices Liability? Is it the same as Employers…

Employee Benefits Liability

Employee Benefits Liability

Is Employee Benefits Liability the same as Employers Liability? And if…

Employers Liability

Employers Liability

Employers Liability is the lesser known younger sibling of Workers Compensation.…

Stop Gap

Stop Gap

Stop Gap has a specific meaning when it comes to Workers…

Margin Clause

Margin Clause

What is a Margin Clause? Can understanding it help win an…

Manufacturers Selling Price

Manufacturers Selling Price

How is finished Stock valued? The additional value of markup or…

Punitive Damages

Punitive Damages

Do your prospect’s liability policies cover punitive damages? Can the answer…

Forgery in a Crime Policy

Forgery in a Crime Policy

Does your prospect’s Crime policy cover forgery? Think twice before answering,…

TRIVIA WINNERS

TRIVIA WINNERS

Insurance Technical Consulting is happy to announce the winners of the…

Cybersecurity and Infrastructure Security Agency (CISA) Services

Cybersecurity and Infrastructure Security Agency (CISA) Services

What’s better than a Cyber policy? Scanning and testing for threats…

Foundations and Underground Pipes

Foundations and Underground Pipes

Does your prospect’s policy cover foundations and underground pipes? Does the…

Derivative Lawsuits

Derivative Lawsuits

What is a Derivative Lawsuit, and how does insurance come into…

Innkeepers Liability

Innkeepers Liability

What is Innkeepers Liability, and does your insured need it? In…

Guaranty Fund

Guaranty Fund

A Guaranty Fund protects consumers in the case of a failed…

Rating Factors in Business Auto

Rating Factors in Business Auto

Do you know the 7 features used to rate a business…

Late Notice of Claim

Late Notice of Claim

Can an insurer disclaim coverage due to late notice? The answer…

ERISA

ERISA

The Employee Retirement Income Security Act, or ERISA, is a federal…

Cyber for Restaurants

Cyber for Restaurants

Change in the restaurant industry is a hallmark of the pandemic.…

Vacant Buildings

Vacant Buildings

Before the pandemic, vacant buildings were less common. Now vacancy is…

Wage and Hour Claims

Wage and Hour Claims

What is a Wage and Hour Claim, and is it covered…

Seasonal Inventory

Seasonal Inventory

When inventory changes seasonally, is there an easier way to manage…

Hammer Clause

Hammer Clause

What is a Hammer Clause, and is it beneficial to an…

Overinsurance – Property Limits

Overinsurance – Property Limits

Save your client some premium and save yourself some headaches and…

How High Should Liability Limit Be?

How High Should Liability Limit Be?

Insurance professionals should always offer higher liability limits in writing, whether…

Defense Inside – New Nevada Law

Defense Inside – New Nevada Law

Knowledge of the new Nevada law enables an agent to explain…

Fences

Fences

Details on fence coverage enable an agent to point out a…

Drive Other Car (DOC)

Drive Other Car (DOC)

Details on a prospect's executive auto use can enable an agent…

The Importance of Continuous Learning in the Insurance Industry

The Importance of Continuous Learning in the Insurance Industry

The Importance of Continuous Learning in the Insurance Industry 1 minute…

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