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insurance buyers.
AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance. LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 RESTAURANTS AND BARS FIND THEIR FOOTING RESTAURANTS AND BARS FIND THEIR FOOTING How can the industry bounce back from its “most challenging year”? By Lori Widmer. Here’s the good news—restaurant sales are predicted to increase by 10.2% in 2021, rounding out at an approximate $548.3 billion, according to the National Restaurant Association. HOME - THE ROUGH NOTES COMPANY INC. Home - The Rough Notes Company Inc. UTILITY SERVICES COVERAGE: AN OFTEN-OVERLOOKED … Utility services is an often-overlooked endorsement that protects businesses when there is an interruption of water supply, communication supply, or power outage, when the loss is caused by damage from a covered peril to property away from the insured’s premises. This can include damage that occurs at the power stations,sub-stations, lines
RISK MANAGEMENT--UMBRELLA & EXCESS POLICIES-DEFINING TERMS It is commonly used as a buffer layer to qualify an insured for an umbrella or excess when the limits of underlying policies are inadequate. For example, an excess insurer may require a primary limit of $1 million in a case where only $500,000 is available. In thiscase, it
PIP IN THE BALANCE: MUST INSURER PAY? PIP in the balance: Must insurer pay? Victor Caballero was involved in an accident while driving a vehicle that was insured under a personal auto policy issued by State Auto Property and Casualty Insurance Company to Maria Caballero, Victor’s wife. Victor sustained injuries and was treated by Bronson Health Care Group, Inc. CUSTOMER SERVICE FOCUS—CSR WORKLOADS & REWARDS 06/08 Customer Service Focus—CSR workloads & rewards 06/08. CSR workloads & rewards. Comparing commercial lines and personal lines CSRs. By Jim Cuprisin, CIC, CRM, ARP. Insurance customer service representatives (CSRs) who work in the property/casualty arena all provide valuable service for their clients. This is one trait they all have in common. HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance. LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 RESTAURANTS AND BARS FIND THEIR FOOTING RESTAURANTS AND BARS FIND THEIR FOOTING How can the industry bounce back from its “most challenging year”? By Lori Widmer. Here’s the good news—restaurant sales are predicted to increase by 10.2% in 2021, rounding out at an approximate $548.3 billion, according to the National Restaurant Association. HOME - THE ROUGH NOTES COMPANY INC. Home - The Rough Notes Company Inc. UTILITY SERVICES COVERAGE: AN OFTEN-OVERLOOKED … Utility services is an often-overlooked endorsement that protects businesses when there is an interruption of water supply, communication supply, or power outage, when the loss is caused by damage from a covered peril to property away from the insured’s premises. This can include damage that occurs at the power stations,sub-stations, lines
RISK MANAGEMENT--UMBRELLA & EXCESS POLICIES-DEFINING TERMS It is commonly used as a buffer layer to qualify an insured for an umbrella or excess when the limits of underlying policies are inadequate. For example, an excess insurer may require a primary limit of $1 million in a case where only $500,000 is available. In thiscase, it
PIP IN THE BALANCE: MUST INSURER PAY? PIP in the balance: Must insurer pay? Victor Caballero was involved in an accident while driving a vehicle that was insured under a personal auto policy issued by State Auto Property and Casualty Insurance Company to Maria Caballero, Victor’s wife. Victor sustained injuries and was treated by Bronson Health Care Group, Inc. CUSTOMER SERVICE FOCUS—CSR WORKLOADS & REWARDS 06/08 Customer Service Focus—CSR workloads & rewards 06/08. CSR workloads & rewards. Comparing commercial lines and personal lines CSRs. By Jim Cuprisin, CIC, CRM, ARP. Insurance customer service representatives (CSRs) who work in the property/casualty arena all provide valuable service for their clients. This is one trait they all have in common. ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.PUBLICATIONS
The Insurance Marketplace First published in 1963, The Insurance Marketplace is a national market directory of excess, surplus, specialty lines and industry services. It provides independent insurance agency professionals an easy an useful way to find companies that offer insurance coverage and programs in more than 800 industrycategories.
RESILIENCY - THE ROUGH NOTES COMPANY INC. Contact Brad at Brad.Unger@MarshBerry.com or (440) 220-5435. Investment banking services offered through MarshBerry Capital, Inc., Member FINRA Member SIPC and an affiliate of Marsh, Berry & Company, Inc. 28601 Chagrin Boulevard, Suite 400, Woodmere, Ohio 44122 (440)354-3230.
CRISIS MANAGEMENT
Agents and brokers need to combat the confusion with accurate information and appropriate claims responses. Mitchell says crisis communication involves six progressive steps: Step 1–Regret. Communicators need to respond with empathy TOP 5 NUMBERS TO SHARE WITH CLIENTS ABOUT … TOP 5 NUMBERS TO SHARE WITH CLIENTS ABOUT RANSOMWARE ATTACKS The introduction of pandemic-related at-home work has fueled vulnerability to ransomware attacks. INSURING THE MODERN-DAY NOMAD By continuing to browse the site, you agree to the data collection and processing practices disclosed in our recently updated privacy policy. The Rough Notes Company. TRUSTS, TRUSTEES, EXPOSURE IDENTIFICATION, AND … Here are common examples of claims made against trustees: Investment decisions. Even good investments are subject to criticism. Accounting objections. Winning can be expensive. Negligent delegation. Trustees get blamed for falling markets. Only two things are certain in life, and one of them is trustee exposure. ORDINANCE OR LAW COVERAGE Coverage A: Loss to the undamaged portion of the building. Coverage B: Demolition cost. Coverage C: Increased cost of construction. In addition, this form offers a post-loss ordinance or law option that provides coverage in the event an ordinance or law is initiated or revised after the loss but before the commencement of reconstructionor repair.
THE HOMEOWNERS POLICY AND TOTAL LOSS ISSUES On the other hand, policies that offer enhanced replacement cost coverage will cap the amount of coverage that the insurance company will pay in the event of a total loss. In most cases, this percentage is either 25% or 50% more than the dwelling limit of insurance stated in the policy declarations. Again, your clients will most likely needto
INSURANCE ARCHIVES
REMAINING STRONG AND RESILIENT EVEN DURING A PANDEMIC Seeing ahead and preparing are key By Paul Mallen The global pandemic is testing the world in unprecedented ways. HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance. HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. RESTAURANTS AND BARS FIND THEIR FOOTING RESTAURANTS AND BARS FIND THEIR FOOTING How can the industry bounce back from its “most challenging year”? By Lori Widmer. Here’s the good news—restaurant sales are predicted to increase by 10.2% in 2021, rounding out at an approximate $548.3 billion, according to the National Restaurant Association. HOME - THE ROUGH NOTES COMPANY INC. Home - The Rough Notes Company Inc. PIP IN THE BALANCE: MUST INSURER PAY? PIP in the balance: Must insurer pay? Victor Caballero was involved in an accident while driving a vehicle that was insured under a personal auto policy issued by State Auto Property and Casualty Insurance Company to Maria Caballero, Victor’s wife. Victor sustained injuries and was treated by Bronson Health Care Group, Inc. RISK MANAGEMENT--UMBRELLA & EXCESS POLICIES-DEFINING TERMS It is commonly used as a buffer layer to qualify an insured for an umbrella or excess when the limits of underlying policies are inadequate. For example, an excess insurer may require a primary limit of $1 million in a case where only $500,000 is available. In thiscase, it
CUSTOMER SERVICE FOCUS—CSR WORKLOADS & REWARDS 06/08 Customer Service Focus—CSR workloads & rewards 06/08. CSR workloads & rewards. Comparing commercial lines and personal lines CSRs. By Jim Cuprisin, CIC, CRM, ARP. Insurance customer service representatives (CSRs) who work in the property/casualty arena all provide valuable service for their clients. This is one trait they all have in common. PROTECTING HISTORY—INSURING HISTORIC STRUCTURES REQUIRES Protecting history. Insuring historic structures requires careful attention to unique features. By Joseph J. Hunter-Lattak, CPCU, AIM, AMIM. From a property insurance standpoint, historic buildings contain inherent and often unique values that require a higher degree of attention than modern buildings. At the 2010 American Association of HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance. HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. RESTAURANTS AND BARS FIND THEIR FOOTING RESTAURANTS AND BARS FIND THEIR FOOTING How can the industry bounce back from its “most challenging year”? By Lori Widmer. Here’s the good news—restaurant sales are predicted to increase by 10.2% in 2021, rounding out at an approximate $548.3 billion, according to the National Restaurant Association. HOME - THE ROUGH NOTES COMPANY INC. Home - The Rough Notes Company Inc. PIP IN THE BALANCE: MUST INSURER PAY? PIP in the balance: Must insurer pay? Victor Caballero was involved in an accident while driving a vehicle that was insured under a personal auto policy issued by State Auto Property and Casualty Insurance Company to Maria Caballero, Victor’s wife. Victor sustained injuries and was treated by Bronson Health Care Group, Inc. RISK MANAGEMENT--UMBRELLA & EXCESS POLICIES-DEFINING TERMS It is commonly used as a buffer layer to qualify an insured for an umbrella or excess when the limits of underlying policies are inadequate. For example, an excess insurer may require a primary limit of $1 million in a case where only $500,000 is available. In thiscase, it
CUSTOMER SERVICE FOCUS—CSR WORKLOADS & REWARDS 06/08 Customer Service Focus—CSR workloads & rewards 06/08. CSR workloads & rewards. Comparing commercial lines and personal lines CSRs. By Jim Cuprisin, CIC, CRM, ARP. Insurance customer service representatives (CSRs) who work in the property/casualty arena all provide valuable service for their clients. This is one trait they all have in common. PROTECTING HISTORY—INSURING HISTORIC STRUCTURES REQUIRES Protecting history. Insuring historic structures requires careful attention to unique features. By Joseph J. Hunter-Lattak, CPCU, AIM, AMIM. From a property insurance standpoint, historic buildings contain inherent and often unique values that require a higher degree of attention than modern buildings. At the 2010 American Association of ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.CRISIS MANAGEMENT
Agents and brokers need to combat the confusion with accurate information and appropriate claims responses. Mitchell says crisis communication involves six progressive steps: Step 1–Regret. Communicators need to respond with empathy TRUSTS, TRUSTEES, EXPOSURE IDENTIFICATION, AND … Here are common examples of claims made against trustees: Investment decisions. Even good investments are subject to criticism. Accounting objections. Winning can be expensive. Negligent delegation. Trustees get blamed for falling markets. Only two things are certain in life, and one of them is trustee exposure. THE HOMEOWNERS POLICY AND MOTORIZED TOYS The HO 00 05 (05 11) policy states in the Property Not Covered section that “We do cover model or hobby aircraft not used or designed to carry people or cargo.”. Similar language exists in the “aircraft liability” definition in the policy; thus it will apply toward any potential liability claims. This raises the question: Is a drone DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. THE HOMEOWNERS POLICY AND TOTAL LOSS ISSUES On the other hand, policies that offer enhanced replacement cost coverage will cap the amount of coverage that the insurance company will pay in the event of a total loss. In most cases, this percentage is either 25% or 50% more than the dwelling limit of insurance stated in the policy declarations. Again, your clients will most likely needto
PARSING A SELF-INSURED RETENTION ENDORSEMENT Parsing a self-insured retention endorsement. In January 2009, Walsh Construction Company, a general contractor, hired Roadsafe Holdings, Inc., to be Walsh’s subcontractor in the construction of a traffic exchange involving Interstates 65 and 80 in Lake County, Indiana. COURT DECISIONS ARCHIVES An insurer denied coverage for a contractor. The carrier held that the contractor was not owed coverage as it was not explicitly shown under a written agreement to be an ISO PRODUCTS PERSPECTIVE—AUTO DEALERS PROGRAM: FROM The very notion of a full-service gas station is quaint and quickly becoming a relic of yesteryear. Sure, it's been decades since attendants eagerly checked your oil, wiped your windows, and provided service with a smile. But other, more profound changes have been afoot that have altered the auto service industry and, as a result, the insurance market that services the approximately 120,000 ONSHORE VS. OFFSHORE—DOMICILE SELECTION IS FIRST STEP IN The selection of a captive’s domicile is one of the most important decisions involved in a captive feasibility study. And the first critical question that needs to be resolved is “onshore oroffshore?”
HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.PUBLICATIONS
The Insurance Marketplace First published in 1963, The Insurance Marketplace is a national market directory of excess, surplus, specialty lines and industry services. It provides independent insurance agency professionals an easy an useful way to find companies that offer insurance coverage and programs in more than 800 industrycategories.
LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. ROUGH NOTES COVERAGES APPLICABLE PHONE APP It contains recommended coverages for 27 industry categories for commercial lines as well as personal lines and farm/ranch. Explore the insurance needs of over HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. TIME TO GET A “LEG” UP ON CONSTRUCTION DISPUTES? Issued in 1996 and revised in 2006, LEG endorsements allow construction insurers to choose among three levels of coverage for construction defects and faulty workmanship: LEG1 effectively excludes coverage for all loss or damage “due to defects of material workmanship, design, plan, or specification.”. LEG2 excludescoverage only for
PARSING A SELF-INSURED RETENTION ENDORSEMENT Parsing a self-insured retention endorsement. In January 2009, Walsh Construction Company, a general contractor, hired Roadsafe Holdings, Inc., to be Walsh’s subcontractor in the construction of a traffic exchange involving Interstates 65 and 80 in Lake County, Indiana. DOES RENTERS POLICY COVER OWNED HOUSE? USAA’s letter also cited the renters policy’s exclusion for “property damage to property owned by an insured.”. Van Sickle then settled the underlying litigation with Huckins by way of a consent judgment of $300,000 and Van Sickle’s assignment to Huckins of all claims under his policies in exchange for a covenant not toexecute.
HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.PUBLICATIONS
The Insurance Marketplace First published in 1963, The Insurance Marketplace is a national market directory of excess, surplus, specialty lines and industry services. It provides independent insurance agency professionals an easy an useful way to find companies that offer insurance coverage and programs in more than 800 industrycategories.
LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. ROUGH NOTES COVERAGES APPLICABLE PHONE APP It contains recommended coverages for 27 industry categories for commercial lines as well as personal lines and farm/ranch. Explore the insurance needs of over HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. TIME TO GET A “LEG” UP ON CONSTRUCTION DISPUTES? Issued in 1996 and revised in 2006, LEG endorsements allow construction insurers to choose among three levels of coverage for construction defects and faulty workmanship: LEG1 effectively excludes coverage for all loss or damage “due to defects of material workmanship, design, plan, or specification.”. LEG2 excludescoverage only for
PARSING A SELF-INSURED RETENTION ENDORSEMENT Parsing a self-insured retention endorsement. In January 2009, Walsh Construction Company, a general contractor, hired Roadsafe Holdings, Inc., to be Walsh’s subcontractor in the construction of a traffic exchange involving Interstates 65 and 80 in Lake County, Indiana. DOES RENTERS POLICY COVER OWNED HOUSE? USAA’s letter also cited the renters policy’s exclusion for “property damage to property owned by an insured.”. Van Sickle then settled the underlying litigation with Huckins by way of a consent judgment of $300,000 and Van Sickle’s assignment to Huckins of all claims under his policies in exchange for a covenant not toexecute.
ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs. FOCUS ON CONSTRUCTION Deemed essential in many states, the construction industry has managed to remain on the job during the worst of the economic shutdown. There are two 2020 realities: 2020 between January and mid-March, and 2020 amid a pandemic. Thanks to an upheaval in nearly every aspect of the business world, all predictions for 2020 are scrapped. AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance.CYBER INSURANCE
One might say it’s a case of seeing the glass half full or half empty. “We estimate that 30% of U.S. businesses have a monoline cyber insurance policy, amounting to $6 billion in gross written premium,” says Patrick Costello, principal at Evolve MGA. “By 2025, we expect the U.S. market’s gross written premium to surpass$20 billion.”.
HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03ADA ARCHIVES
By continuing to browse the site, you agree to the data collection and processing practices disclosed in our recently updated privacy policy. The Rough Notes Company. DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. THE HOMEOWNERS POLICY AND MOTORIZED TOYS The HO 00 05 (05 11) policy states in the Property Not Covered section that “We do cover model or hobby aircraft not used or designed to carry people or cargo.”. Similar language exists in the “aircraft liability” definition in the policy; thus it will apply toward any potential liability claims. This raises the question: Is a droneROUGH NOTES EDITOR
By continuing to browse the site, you agree to the data collection and processing practices disclosed in our recently updated privacy policy. The Rough Notes Company.ROUGH NOTES EDITOR
Workers comp insurers enjoy results, but agents face challenges “2015 is a good story,” announced NCCI’s new President and CEO Bill Donnell, CPCU, ARM. HOME - THE ROUGH NOTES COMPANY INC. Welcome to The Rough Notes Company. We respond to the evolving needs of agents as they work to meet the ever–changing need of today'sinsurance buyers.
ROUGH NOTES COMPANY PRODUCTS SOLUTIONSROUGH NOTES ADVANTAGE PLUSROUGHNOTES AGENCY ONLINE
The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.PUBLICATIONS
The Insurance Marketplace First published in 1963, The Insurance Marketplace is a national market directory of excess, surplus, specialty lines and industry services. It provides independent insurance agency professionals an easy an useful way to find companies that offer insurance coverage and programs in more than 800 industrycategories.
LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. ROUGH NOTES COVERAGES APPLICABLE PHONE APP It contains recommended coverages for 27 industry categories for commercial lines as well as personal lines and farm/ranch. Explore the insurance needs of over HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. TIME TO GET A “LEG” UP ON CONSTRUCTION DISPUTES? Issued in 1996 and revised in 2006, LEG endorsements allow construction insurers to choose among three levels of coverage for construction defects and faulty workmanship: LEG1 effectively excludes coverage for all loss or damage “due to defects of material workmanship, design, plan, or specification.”. LEG2 excludescoverage only for
PARSING A SELF-INSURED RETENTION ENDORSEMENT Parsing a self-insured retention endorsement. In January 2009, Walsh Construction Company, a general contractor, hired Roadsafe Holdings, Inc., to be Walsh’s subcontractor in the construction of a traffic exchange involving Interstates 65 and 80 in Lake County, Indiana. DOES RENTERS POLICY COVER OWNED HOUSE? USAA’s letter also cited the renters policy’s exclusion for “property damage to property owned by an insured.”. Van Sickle then settled the underlying litigation with Huckins by way of a consent judgment of $300,000 and Van Sickle’s assignment to Huckins of all claims under his policies in exchange for a covenant not toexecute.
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The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs.PUBLICATIONS
The Insurance Marketplace First published in 1963, The Insurance Marketplace is a national market directory of excess, surplus, specialty lines and industry services. It provides independent insurance agency professionals an easy an useful way to find companies that offer insurance coverage and programs in more than 800 industrycategories.
LEADERSHIP: THE WAY OF THE SHEPHERD When the shepherd’s flock is uncertain or fearful, he or she must create a sense of calm. The same goes for the business setting. As a leader, you have the responsibility to make your pasture a safe place. In The Way of the Shepherd, authors Leman and Pentak offer these strategies: Principle #5—The staff of direction. ROUGH NOTES COVERAGES APPLICABLE PHONE APP It contains recommended coverages for 27 industry categories for commercial lines as well as personal lines and farm/ranch. Explore the insurance needs of over HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03 DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. TIME TO GET A “LEG” UP ON CONSTRUCTION DISPUTES? Issued in 1996 and revised in 2006, LEG endorsements allow construction insurers to choose among three levels of coverage for construction defects and faulty workmanship: LEG1 effectively excludes coverage for all loss or damage “due to defects of material workmanship, design, plan, or specification.”. LEG2 excludescoverage only for
PARSING A SELF-INSURED RETENTION ENDORSEMENT Parsing a self-insured retention endorsement. In January 2009, Walsh Construction Company, a general contractor, hired Roadsafe Holdings, Inc., to be Walsh’s subcontractor in the construction of a traffic exchange involving Interstates 65 and 80 in Lake County, Indiana. DOES RENTERS POLICY COVER OWNED HOUSE? USAA’s letter also cited the renters policy’s exclusion for “property damage to property owned by an insured.”. Van Sickle then settled the underlying litigation with Huckins by way of a consent judgment of $300,000 and Van Sickle’s assignment to Huckins of all claims under his policies in exchange for a covenant not toexecute.
ROUGH NOTES COMPANY PRODUCTS SOLUTIONS The Rough Notes Company products and solutions provide access to authoritative risk and insurance information that can be trusted. We pledge to continue to our tradition of listening to the needs of the insurance marketplace and innovate solutions that fulfill those needs. FOCUS ON CONSTRUCTION Deemed essential in many states, the construction industry has managed to remain on the job during the worst of the economic shutdown. There are two 2020 realities: 2020 between January and mid-March, and 2020 amid a pandemic. Thanks to an upheaval in nearly every aspect of the business world, all predictions for 2020 are scrapped. AGENT ERRORS AND OMISSIONS AGENT ERRORS AND OMISSIONS Producers brace for a hard market’s challenges and opportunities. By Joseph S. Harrington, CPCU. As the economy emerges (we hope) from pandemic conditions, insurance agents and brokers face higher rates and tougher conditions for their “errors and omissions” (E&O) professional liability insurance.CYBER INSURANCE
One might say it’s a case of seeing the glass half full or half empty. “We estimate that 30% of U.S. businesses have a monoline cyber insurance policy, amounting to $6 billion in gross written premium,” says Patrick Costello, principal at Evolve MGA. “By 2025, we expect the U.S. market’s gross written premium to surpass$20 billion.”.
HOME SHARING AND THE HOMEOWNERS POLICY ISO has filed an amendatory endorsement to the homeowners policy specifically defining home sharing as a ‘business’. Therefore, under the unendorsed homeowners policy, this exposure is excluded.”. Gunderman is referring to the Home-Sharing Host Activities Amendatory Endorsement (HO 06 53 02 17) that is used in conjunction with HO 00 03ADA ARCHIVES
By continuing to browse the site, you agree to the data collection and processing practices disclosed in our recently updated privacy policy. The Rough Notes Company. DEPRECIATING LABOR COSTS The shingles are of course logically depreciable. As they age, they certainly lose value due to wear and tear. They typically have a useful life of twenty years. It makes sense, then, that sixteen-year-old shingles have lost sixteen/twentieths, or eighty percent, of their value over time. Labor, on the other hand, is not logically depreciable. THE HOMEOWNERS POLICY AND MOTORIZED TOYS The HO 00 05 (05 11) policy states in the Property Not Covered section that “We do cover model or hobby aircraft not used or designed to carry people or cargo.”. Similar language exists in the “aircraft liability” definition in the policy; thus it will apply toward any potential liability claims. This raises the question: Is a droneROUGH NOTES EDITOR
By continuing to browse the site, you agree to the data collection and processing practices disclosed in our recently updated privacy policy. The Rough Notes Company.ROUGH NOTES EDITOR
Workers comp insurers enjoy results, but agents face challenges “2015 is a good story,” announced NCCI’s new President and CEO Bill Donnell, CPCU, ARM.____Legatus
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