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...replied that Store did not have an alarm system, and that without such a syste...d could get, due to the absence of an alarm system. Was this really true? Some agents...

...ve either a burglar, fire or smoke alarm in your home? ... 11. If you are a self-employed professional, do you have Property Liability add Professional Liability or Malpractice insurance? ...

... home under 40 years of age? What is the year of construction of your home? What bank holds the mortgage? What is the type of construction? Does a single family inhabit your home? Does your home have smoke detectors? Do you have a burglar alarm? Do you have a fire department fire alarm? Do you have automatic sprinklers? How many rooms in your home? Do you have a woodstove? Has your woodstove been inspected? Do you have a central heating system? How do you heat your home ... Have you had any insurance losses in the last five years? Do you or any household member smoke? Do you desire a $250 or $100 deductible? Do you own a dog? What breed? Do you own a boat, trailer or camper? Do you live near a pond, river or large body of water? Are you in a flood zone? Is your home under construction or being remodeled? Do you have any boarders that are not family members? Do you have tenants? Do you furnish any ... carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and ...

...tectors? Do you have a burglar alarm? Do you have a fire department fire alarm? Do you have automatic sprinkler...for $1 million above and beyond the liability coverages you carry on your home...

...t does, and at a frequency we find alarming. Brokers and agents should not del...s, this may be an indication of more systemic problems with the insurance comp...

... of her inventory. After a theft loss, the storeowner learned that she had a $1 ,000 crime limit, not the $30,000 that she thought she had. When asked why this happened, the agent replied that Store did not have an alarm system, and that without such a system, $1 ,000 was the maximum crime limit that she could have. The agent had not previously told the insured about this provision. Store sued the agent for the amount of her uncovered loss plus court costs ... The Tennessee Court of Appeals awarded Store the amount of her uncovered loss plus court costs and attorney fees. Lesson: It's essential to be able to prove that an agent told a client about reduced coverage. If a policy isn't being issued with the requested coverages, the agent needs to communicate this in writing to the insured. A second recommendation comes from the fact that a $1 ,000 theft limit was all the insured could get, due to the absence of an alarm system. Was this really true? Some agents ... carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market, articles, blogs and ...