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Understanding COPE in Insurance: Breaking Down Construction, Occupancy, Protection, and Exposure
Coverage Article
Introduction to COPE Insurance: Understanding Property Risk Factors Illustration explaining COPE Insurance—Construction, Occupancy, Protection, and Exposure—key factors in property insurance underwriting. What is COPE Insurance and Why It Matters in Property Coverage? COPE is a structured method in property insurance that evaluates risk through four factors: Construction, Occupancy, Protection, and Exposure. COPE is an acronym […]
Commercial Auto Symbols Explained: A Complete Guide
Agency Staff Articles, Coverage Article
The Complete Guide to Commercial Auto Symbols A central aspect of this coverage is recognizing the commercial auto symbols in policy language. Commercial auto insurance plays a vital role in risk management for businesses that rely on vehicles. These symbols, sometimes referred to as covered auto designation symbols, clarify which types of vehicles are covered […]
CG 20 10 Explained: Additional Insured Status for Ongoing Operations
Agency Staff Articles, Coverage Article
Understanding the CG 20 10 for Ongoing Operations Many insurance professionals who manage Commercial General Liability (GCL) policies see requests to add the CG 2010 form, also recognized as the ongoing endorsement form. This ISO CG 20 10 extends additional coverage to a named entity for ongoing operations carried out by the named insured. What […]
The Primary and Non-Contributory Endorsement: What It Means and Why It Matters
Coverage Article, Helpful Tips: For Training
Why the Primary and Non-Contributory Endorsement Matters in Insurance and What it Means Insurance professionals often encounter situations where determining the order of coverage can be challenging. The primary and non-contributory endorsement clarifies which insurance policy responds before any other insurance. Understanding the primary insured meaning, how primary and non-contributory insurance functions, and potential pitfalls can reduce disputes when several insurance […]
CG 20 37: Additional Insured for Completed Operations
Agency Staff Articles, Coverage Article
CG 20 37 Explained: Additional Insured Status for Completed Operations The CG 20 37, particularly the latest version CG 20 37 12/19, is a crucial additional insured endorsement form often requested by project owners and general contractors in the insurance industry. This CG 20 37 endorsement, part of the family of additional insured forms developed […]
Understanding the Purpose of Auto Symbol 7 on the Business Auto Policy
Coverage Article, Helpful Tips: For Training
Symbol 7 Auto Coverage and Scheduled Vehicles Vehicles insured under a business auto policy, demonstrating the importance of understanding Auto Symbol 7 as explained in the article. The term symbol 7 auto coverage indicates that a business auto policy covers only the specific autos listed by the insurer. This approach helps businesses looking to control […]
The Impact of the Pandemic on the Insurance Industry
Agency Owner Articles, Agency Staff Articles, Helpful Tips: For Leadership
We have certainly seen a fair amount of changes in our world due to the pandemic, but there is more to come. As we continue to adapt and learn from this unprecedented situation, we have yet to determine the long-term impact. The insurance industry has already had to make some uncomfortable shifts. Businesses have downsized […]
Help Employees Achieve Greater Productivity in a Remote Workplace
Agency Owner Articles, Helpful Tips: For Leadership
The shift from in-office to remote work has presented a variety of challenges for insurance agencies. As so many made the transition overnight, being able to effectively move all operations from inside the same building into everyone’s homes has been difficult for both agencies and their employees. We are living in unfamiliar and unprecedented circumstances. […]
Breathing Life Back Into An Old & Ugly Office Space
Agency Owner Articles, Helpful Tips: For Leadership
Some insurance agencies boast modern buildings with sleek exteriors and fresh interiors. On the other hand, there are still many agencies on the opposite end of the spectrum. They operate in old buildings handling required maintenance but leave even simple updates at the bottom of the expense and the to-do list. While some agency owners […]
How to Handle a Decline In Employee Performance
Agency Owner Articles, Helpful Tips: For Leadership
It is always difficult to watch a top performer in your agency start to demonstrate a decline in performance. There can be a tendency to bend over backward to save the employee by overlooking the growing performance issues hoping that they will turn things around. However, turning a blind eye is damaging to the employee […]