Sniffspot is an innovative platform designed to provide private and secure spaces for dogs to play and explore. It’s an app-based service that connects dog owners with local hosts who offer their private lands, yards or specialized areas for dog playdates, training...
Client misrepresentations could leave you on the hook for insurance fraud
Insurance agents are the middlemen—they act as intermediaries between insureds and insurers. With this positioning, there are times when agents are put into situations in which they are unsure of what side to take—especially when evidence of a misrepresentation has...
Carrier do’s and don’ts: Commission cuts
To anyone who works in the insurance industry, it is clear that the marketplace is going through a period of transition. The increasing occurrence of severe weather, growing interest rates, and increasing replacement cost are a few of the drivers that are creating...
Navigate the Winter Wonderland: A guide for insurance agents to safeguard clients
As winter tightens its grip on the Northeast, recent storms have blanketed the region in snow and ice, creating hazardous driving conditions. With plummeting temperatures and slippery roads, it’s crucial for drivers to prioritize safe driving practices. In the United...
Think twice before you reply with an emoji … it could be a binding contract
Let’s face it … technology can be hard. Especially when you have no idea what things mean. Remember when Gen Z unofficially deemed millennial use of the 😂 emoji as “not cool,”[1] or dare I say…cheugy?[2] Or when almost every older-generation dad got called out...
The industry’s role in making the world greener
While the insurance industry has yet to publicly and explicitly acknowledge global warming and the importance of protecting the environment, actions taking place within the industry—which are related to industries and governments—are indicative that a shift is...
Parametric disaster insurance
In today’s rapidly changing world, traditional insurance products may fall short when it comes to effectively managing and mitigating risk. However, to fill those voids a new type of insurance product has emerged—parametric insurance. Parametric insurance covers the...
Do you know the special rules of marketing?
I like rules. When I open a board game, I immediately read the instructions. I’m sure my affinity for the rules lead to my decision to become an attorney. In a conversation with a guidance counselor, I may have said: “You mean my job would be to argue about what the...
Smash, grab and go: Insurance implications on surging retail theft
As the rise in retail theft continues to plague businesses nationwide, the impact on the retail landscape is clear. The COVID-19 pandemic has created a unique set of circumstances that have contributed to the surge in retail thefts—affecting both large and small...
Are you selling umbrellas with holes in ’em?: If your clients get wet, you could too!
We (independent agents) are raised to sell umbrella liability insurance policies, but why? We are told to sell umbrellas because people can get sued for an auto accident or a slip-and-fall, and other outrageous scenarios. Basically, when you make a mistake and cause...