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How to Read an Insurance Policy: Policy Form Edition Dates and Why They are Important

By John Eubank, CPCU, ARM No matter how long you’ve been in the industry, it never hurts to review the more important details of policy analysis. This article focuses on ISO forms and endorsements, discusses how they have evolved, and …

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Building an Outstanding Customer Service Team

The National Alliance is currently accepting nominations for the 2016 Outstanding CSR of the Year Award. Every year, hundreds of insurance CSRs and account managers from across


A New Life Insurance Option: Senior Life Settlement

By Jerry Rhinehart, CIC, CLU, ChFC, RHU

In the mid-to-late 1980s, the use of a financial arrangement called a “viatical settlement” began to emerge. A good example of this arrangement follows: A terminally ill person


Producer Profile: Selecting Producer Candidates with the Right Stuff

By Jim Cuprisin, MBA, CIC, CRM, ARP

What is the right stuff? Who should independent insurance agencies hire to become new producers? To answer these questions, and many others, The National Alliance


“Residence Premises”: The ISO Homeowners’ Hidden Total Loss Exclusion

By Jerry L. Kennedy, CIC

Let’s say your agency provides the homeowners insurance for the following clients:

  • Jim, who was recently relocated by his employer to Raleigh, North Carolina; his home in


Protecting Employers: The Liability Impact of the Affordable Care Act

By Richard G. Clarke, CIC, CPCU, RPLU, CITRMS

The Affordable Care Act (ACA), signed into law by President Obama in March 2010, is revolutionizing both health care insurance and the delivery


Bonds in the CGL Policy: A Look at Bail Bonds and Bonds to Release Attachments

By Dwight Kealy, J.D., CIC

Most people do not think of the Commercial General Liability (CGL) Policy as a place to get payment for bonds, but the CGL Policy provides payment for


Coverage for Collegiates

College Students’ Auto Exposures and Coverages–Part 2

By Samuel T. Bennett, CIC, AFIS, CRIS, CPIA

As a long-time resident of a town with a major university, two colleges, and several satellite campuses of


ISO’s Crime Changes: Keeping Pace With Our Digital World

By Catherine L. Trischan, CIC, CRM, CPCU, ARM, AU, AAI, CRIS, MLIS

Let’s take a step back in time.

Who would have imagined a day when money was made up of bits


Beyond Traditional Benefits: Sweetening the pot without draining the profits

By Jim Cuprisin, MBA, CIC, CRM, ARP

Successful agency owners and managers realize the importance of designing compensation plans that will attract and retain experienced and talented personnel for their agency, while

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