A practical guide to commercial general liability insurance for U.S. small businesses, including premises, operations, products, completed work and common coverage gaps.
A plain-English guide to California earthquake insurance, including why standard homeowners policies exclude earthquake, how percentage deductibles work and what to review…
A practical U.S. guide to HO-6 condo insurance, including the unit owner policy, association master policy, personal property, liability and loss assessment…
A consumer-friendly guide to insurance fraud, including application fraud, staged losses, inflated claims, identity scams and how to report suspicious activity safely.
A practical guide to U.S. long-term care insurance, including benefit triggers, elimination periods, inflation protection, home care and policy review questions.
What a certificate of insurance is, how ACORD certificates are used, why a COI does not replace the policy, and what to…
A straightforward explanation of insurance agents, independent agents and brokers, who they represent, how they are paid and what consumers and businesses…
What a managing general agent does, how MGAs differ from ordinary agents and brokers, and why delegated underwriting is important in specialty…
A clear guide to excess and surplus lines insurance in the United States, including admitted vs. non-admitted carriers, brokers, regulation and when…
A clear guide to replacement cost and actual cash value in homeowners insurance, including depreciation, claim payments and questions to ask before…