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Karen Sorrell, CPCU is an editor and insurance technical resource for FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc-Network. Karen has an extensive background in commercial and specialty lines underwriting and product management spanning over 30 years. Her technical underwriting skills combined with her research and analysis skills in insurance product development are a winning combination for her role of insurance editor and in the area of insurance policy language interpretation for Arc-Network.
Insurance experts analyze who was involved from a coverage and liability perspective.
If your manufacturing clients are seeing cyber premiums increase, more ransomware incidents could be why.
What is an occurrence?
Disagreement over the meaning of "occurrence" has led to conflicts between insurers and insureds.
This is part three in a series that discusses how to apply the deductible when there are multiples of loss, and more.
Defining an occurrence in insurance
Even though the term "occurrence" is defined, disagreement over its meaning has led to conflicts between insurers and insureds; often resulting in litigation.
The February train crash in East Palestine, Ohio has highlighted issues around insurance coverage, railroad safety and more.
Is there coverage for bull semen on a spoilage endorsement if it is not shown in the schedule?
The Russian law discontinues insurance transactions with 'unfriendly countries,' including the U.S., Canada, U.K and the EU, until Dec 31, 2022.
Coverages that might apply to 'Rust' movie shooting
More than one type of insurance could be called on to cover the accidental on-set shooting.
New reports indicate that Colonial did have cyber insurance, but how does a cyber policy work in the event of a cyberattack?
Resources
Fleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download Resource
Sedgwick
From Sedgwick
Catastrophe risks are shifting. Frequent, moderate losses and secondary perils are replacing isolated, high-intensity events. This playbook provides a new game plan for carriers to navigate the 2026 season with confidence.
Download Resource
Sedgwick
From Sedgwick
AI is reshaping the property claims experience, but many carriers struggle to scale it effectively. This guide explores how to blend automation with human expertise to reduce cycle times, lower costs, and gain a true competitive advantage.
Download Resource
Moody's
From Moody's
Standard data misses key property risks from severe storms. This white paper reveals how AI-powered insights uncover hidden vulnerabilities, enabling more accurate risk differentiation for profitable growth and smarter underwriting.
Download Resource
Moody's
From Moody's
Traditional underwriting guidelines often miss key property details, leading to mispriced risk in hurricane zones. This white paper shows how AI-powered property intelligence uncovers hidden growth opportunities by providing precise, location-level risk data.
Download Resource
ePayPolicy
From ePayPolicy
The insurance industry's reliance on paper checks creates massive operational costs, fraud risks, and payment delays. This guide reveals the true cost of manual processing and how to modernize your receivables to protect your bottom line.
Download Resource
ZestyAI
From ZestyAI
Wildfire risk is no longer confined to the West, and structural losses are outpacing acres burned. This report provides P&C insurers with critical insights into this year's wildfire season and the property-level underwriting strategies needed to adapt.
Download Resource
Way.com
From Way.com
The auto insurance industry faces a commoditization crisis. When customers only hear from you at renewal, price becomes the only differentiator. This white paper reveals how to close the engagement gap and build lasting customer loyalty.
Download Resource
ePayPolicy
From ePayPolicy
Stuck chasing reports, approvals, and signatures? This checklist outlines six high-impact automation strategies designed to eliminate busywork, reduce operational costs, and free up your team for what matters most: strategic growth.
Download Resource
Way.com
From Way.com
For auto insurance carriers, customer interaction is rare until a claim occurs. Discover how embedded roadside assistance creates positive touchpoints that build loyalty, strengthen your brand, and provide valuable data insights. Download the guide.
Download Resource
Way.com
From Way.com
Insurance carriers often struggle with low customer loyalty and satisfaction. This guide explores how embedded benefits create positive, everyday touchpoints, transforming the policyholder relationship and boosting key CX metrics like NPS and CSAT.
Download Resource
Way.com
From Way.com
Customer loyalty in auto insurance is more fragile than ever. This guide provides a new playbook for insurers to build lasting relationships by adding value beyond the policy and turning key moments into trust-building opportunities.
Download Resource
Covenir
From Covenir
As severe weather events surge, claims leaders face immense pressure. This playbook outlines six practical strategies to improve readiness, strengthen operational resilience, and better support policyholders when disaster strikes.
Download Resource
Way.com
From Way.com
Harbor Insurance faced frequent complaints and low usage with their previous roadside provider. By partnering with Way, they transformed their customer experience, increased revenue, and boosted policyholder retention. Download the case study to learn how.
Download Resource
Zywave
From Zywave
In a competitive P&C market, price is no longer the key differentiator. This white paper introduces a practical scorecard for carriers to measure and improve the agent experience, turning ease of doing business into a growth strategy.
Download Resource
Soteris
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download Resource
Zywave
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download Resource
Soteris
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download Resource
REInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download Resource
REInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download Resource
ePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
Fleet Response
From Fleet Response
Managing claims in-house can be costly and inefficient. This guide explores the key benefits of outsourcing claims management and subrogation to reduce costs, streamline operations, and maximize recoveries for your business.
Download Resource
Fleet Response
From Fleet Response
Fleet incidents are more than just operational headaches; they're overlooked value leaks. This paper reveals how a strategic partnership approach to claims, safety, and subrogation can reduce costs and turn disruption into momentum.
Download ResourceFleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download ResourceSedgwick
From Sedgwick
Catastrophe risks are shifting. Frequent, moderate losses and secondary perils are replacing isolated, high-intensity events. This playbook provides a new game plan for carriers to navigate the 2026 season with confidence.
Download ResourceSedgwick
From Sedgwick
AI is reshaping the property claims experience, but many carriers struggle to scale it effectively. This guide explores how to blend automation with human expertise to reduce cycle times, lower costs, and gain a true competitive advantage.
Download ResourceMoody's
From Moody's
Standard data misses key property risks from severe storms. This white paper reveals how AI-powered insights uncover hidden vulnerabilities, enabling more accurate risk differentiation for profitable growth and smarter underwriting.
Download ResourceMoody's
From Moody's
Traditional underwriting guidelines often miss key property details, leading to mispriced risk in hurricane zones. This white paper shows how AI-powered property intelligence uncovers hidden growth opportunities by providing precise, location-level risk data.
Download ResourceePayPolicy
From ePayPolicy
The insurance industry's reliance on paper checks creates massive operational costs, fraud risks, and payment delays. This guide reveals the true cost of manual processing and how to modernize your receivables to protect your bottom line.
Download ResourceZestyAI
From ZestyAI
Wildfire risk is no longer confined to the West, and structural losses are outpacing acres burned. This report provides P&C insurers with critical insights into this year's wildfire season and the property-level underwriting strategies needed to adapt.
Download ResourceWay.com
From Way.com
The auto insurance industry faces a commoditization crisis. When customers only hear from you at renewal, price becomes the only differentiator. This white paper reveals how to close the engagement gap and build lasting customer loyalty.
Download ResourceePayPolicy
From ePayPolicy
Stuck chasing reports, approvals, and signatures? This checklist outlines six high-impact automation strategies designed to eliminate busywork, reduce operational costs, and free up your team for what matters most: strategic growth.
Download ResourceWay.com
From Way.com
For auto insurance carriers, customer interaction is rare until a claim occurs. Discover how embedded roadside assistance creates positive touchpoints that build loyalty, strengthen your brand, and provide valuable data insights. Download the guide.
Download ResourceWay.com
From Way.com
Insurance carriers often struggle with low customer loyalty and satisfaction. This guide explores how embedded benefits create positive, everyday touchpoints, transforming the policyholder relationship and boosting key CX metrics like NPS and CSAT.
Download ResourceWay.com
From Way.com
Customer loyalty in auto insurance is more fragile than ever. This guide provides a new playbook for insurers to build lasting relationships by adding value beyond the policy and turning key moments into trust-building opportunities.
Download ResourceCovenir
From Covenir
As severe weather events surge, claims leaders face immense pressure. This playbook outlines six practical strategies to improve readiness, strengthen operational resilience, and better support policyholders when disaster strikes.
Download ResourceWay.com
From Way.com
Harbor Insurance faced frequent complaints and low usage with their previous roadside provider. By partnering with Way, they transformed their customer experience, increased revenue, and boosted policyholder retention. Download the case study to learn how.
Download ResourceZywave
From Zywave
In a competitive P&C market, price is no longer the key differentiator. This white paper introduces a practical scorecard for carriers to measure and improve the agent experience, turning ease of doing business into a growth strategy.
Download ResourceSoteris
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download ResourceZywave
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download ResourceSoteris
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download ResourceREInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download ResourceREInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download ResourceePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download ResourceFleet Response
From Fleet Response
Managing claims in-house can be costly and inefficient. This guide explores the key benefits of outsourcing claims management and subrogation to reduce costs, streamline operations, and maximize recoveries for your business.
Download ResourceFleet Response
From Fleet Response
Fleet incidents are more than just operational headaches; they're overlooked value leaks. This paper reveals how a strategic partnership approach to claims, safety, and subrogation can reduce costs and turn disruption into momentum.
Download ResourceFleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download Resource