Discusses construction types, fire protection classifications, and their impact on homeowners rates. A working knowledge of construction and fire protection class distinctions is one key to properly underwriting and pricing homeowner risks.

Stop Gap Coverage February 2011 A General Discussion Summary: An employer's responsibility for injuries to his or her employees is usually handled…

February 2011 Intro Page     Dec Page   The question of the month is mainly an article of the month. This article was selected not so…

February 2011 Dec Page Article of the Month   When an organization decides to self-insure or retain a major part of its risk, it must determine…

Mail Coverage FormJanuary, 2011Commercial Inland Marine ProgramSummary: Under the current commercial inland marine program…

Numismatic and Philatelic Property—Archived Article April 2010 Do Homeowners Money, Stamps Limits Apply to Collections? Summary: Coin and…

Sinkhole Collapse and Mine Subsidence—Archived Article August, 2005 What is Encompassed by These Endorsements Summary: Loss resulting from…

12/27/2010                             An…

January 2011 Intro Page   Dec Page   The question of the month deals with workers compensation. In order to protect employees of small operations,…

January 2011 Dec Page Question of the Month   In order to protect employees of small operations, the workers compensation laws of a majority of…