Rough Notes

Lender-placed hazard policy benefit was expressly provided

INSURANCE-RELATED COURT CASESDigested from case reports published onlineCOURT DECISIONS Lender-placed hazard policy benefit was expressly provided Ellen Williams purchased a residential property in Houma, Louisiana, which was mortgaged by Flagstar Ba...

Posted: Jun 02, 2025

Coverage denied for driver who transported marijuana

INSURANCE-RELATED COURT CASESDigested from case reports published online Coverage denied for driver who transported marijuana Starting in about February 2022, Andrew Murphy was employed as a full-time delivery driver for GE United Technologies, LLC,...

Posted: Jun 02, 2025

CLAIMS REPORTING CONSIDERATIONS

Contractual provisions that new agents should be aware of   New agents almost certainly aren’t aware of the language contained within carrier contracts, but this needs to be considered any time claims are concerned. By Marc McNulty, CIC, CRM New agen...

Posted: Jun 02, 2025

CREATING AN INNOVATIVE AGENCY

 If Einstein were alive today, even he’d be stumped by the chaos One of the biggest killers of innovation? The phrase “that’s how we’ve always done it.” By Carolyn Smith, APR, TRA If Einstein were alive today, even he’d be scratching his head at the...

Posted: Jun 02, 2025

BUILDING A CULTURE OF GIVING:

VIRTUAL AND REMOTE PHILANTHROPY FOR INDEPENDENT AGENCIES Making philanthropy part of your agency’s DNA By offering a variety of virtual engagement options, agencies can make philanthropy accessible to all employees, regardless of their schedules or l...

Posted: Jun 02, 2025

VOLUNTARY SUPPLEMENTAL HEALTH

  Product enhancements drive continuing growth “[I]n the last five years it’s been a ‘space race’ of innovation in supplemental health.” —Conner Tung Mid-South Ancillary Team Lead USI By Thomas A. McCoy, CLU Rising deductibles and co-pays in high-ded...

Posted: Jun 02, 2025

QUEST FOR PROFESSIONALISM

To the insurance professional with a true servant’s heart, it’s what makes the job worthwhile The biggest joy for insurance agency leaders who choose this path is in witnessing those “aha!” moments, when associates display their “inner insurance nerd...

Posted: Jun 02, 2025

Inflation, Personal Auto And Risk Management Choices

Managing private passenger cost increases without boosting exposure to loss Advising insureds about how to reduce their exposures can help make coverage more affordable for them and help reduce carrier’s loss costs—a win-win during uncertain times. B...

Posted: Jun 02, 2025

Coverage Denied for Driver Who Transported Marijuana

Popular “gigs” create cover problems [W]ith a growing gig economy … the lines between business and personal activities have become blurred … .   By Bruce D. Hicks, CPCU, CLU The Court Decisions column is a popular part of Rough Notes magazine. One re...

Posted: May 30, 2025

INCREASE YOUR PERSONAL POWER

Five behaviors that limit your impact No matter how much you know and how good your ideas are, if your behavior communicates disempowerment, you’ll never be taken as seriously as you deserve.   By Kimberly Paterson, CEC Hear the word power, and what...

Posted: May 30, 2025

Stop Blaming Clients—You’re The Real Reason They Leave

Transactions vs. client relationships By Patrick McBride Agents love to complain about churn, but the truth is, most are driving their own clients away. If your agency is stuck in a sales-first mindset, do not be surprised when customers treat you li...

Posted: May 30, 2025

HELPING CLIENTS BRACE FOR THE IMPACT

How to prepare property and lower insurance costs against severe storms By Jeff Zehr Severe convective storms (SCS) have become a big risk factor for the insurance industry. These major weather events, also known as thunderstorms, can include lightni...

Posted: May 30, 2025

AGENCY AND CARRIER RELATIONSHIPS

Vertafore survey reveals how independent agents are evaluating their carriers By Mike Erlandson In today’s challenging insurance market, the relationship between independent agents and carriers is under a microscope. Premiums are rising, underwriting...

Posted: May 30, 2025

BRINGING FINANCIAL LITERACY TO ITS COMMUNITY

Members of the Breezy Seguros team This trilingual Massachusetts agency provides insurance services to the Latino community By Dennis H. Pillsbury The Latino community is one of the fastest growing demographics in the United States. While it currentl...

Posted: May 30, 2025

Recapturing Time

By focusing on the most time-consuming process­—policy review—Qumis delivers accurate, swift results that empower users with relevant data By Lori Widmer Dan Schuleman wants you to have your weekends back.  Schuleman, cofounder and CEO of Qumis, reme...

Posted: May 30, 2025

BROTHER, UNCLE, HUSBAND. VISIONARY, ADVOCATE, FRIEND. BOSS.

In fond memory, Walter Gdowski, 1946-2025 On May 12, 2025, everything changed for us here at Rough Notes. That’s the day we lost a friend, a mentor, a champion. Our boss. Although Walt may have left us physically, his spirit and passion for us and th...

Posted: May 30, 2025

Attracting, Engaging And Managing A Multigenerational Workforce

Using generational diversity to better understand and serve clients By Jennifer Palmieri Nearly every workforce today, including the insurance industry, is made up of  five generations of employees. From traditionalists (born 1922-1945) to baby boome...

Posted: May 30, 2025

Beyond The Fear: Leveraging INSURTECH For Success

The landscape, common myths and how to prepare for the future By Alexis Cierra Vaughn Let’s be honest: When we first heard the term “insurtech,” many of us in the independent agency arena got a little nervous. We pictured a tech-driven takeover all a...

Posted: May 30, 2025

A DYNAMIC AND MULTIFACETED ROLE

Connecticut-based young pro tackles marketing, mastermind event planning, and more By Christopher W. Cook In the insurance industry, certain dedicated young professionals stand out among their peers and are members of an elite squad of individuals. T...

Posted: May 30, 2025

THE RIGHT RESOURCES FOR A REASON

Cultivating agency careers by proper technology deployment By Stephanie MacCormack At The MacCormack Agency, my family-owned business in New Jersey, we’ve always been focused on taking care of our clients. We also recognize the importance of attracti...

Posted: May 30, 2025

TOP 5 ESSENTIAL PREPAREDNESS TIPS

 Ways you can help get business owners ready for wildfires and hurricanes  While I live by the motto, “Stay ready,” instead of “Get ready,” or “Get prepared,” in reality not everyone is ready for the possibility of what a wildfire or hurricane could...

Posted: May 29, 2025

 DEFENSE COST RECOUPMENT

Never an easy answer for a fraught question There may be nothing more awkward for an agent or broker than to find a client being sued by an insurer the producer recommended to protect the client from lawsuits. By Joseph S. Harrington, CPCU There’s a...

Posted: May 23, 2025

No joy for surviving spouse

INSURANCE-RELATED COURT CASESDigested from case reports published onlineCOURT DECISIONS No joy for surviving spouse Alan Stroud bought a 20-year term life policy with a $60,000 death benefit from Ozark National Life Insurance Company agent Gene Spoon...

Posted: May 02, 2025

Liberal interpretation of pollution exclusion

INSURANCE-RELATED COURT CASESDigested from case reports published onlineCOURT DECISIONS Liberal interpretation of pollution exclusion Seventeen-year-old Josiah Wheeler rented a cabin in Tok, Alaska, that was owned by Deborah Overly and Terry Summers....

Posted: May 02, 2025

Good news for roofer

INSURANCE-RELATED COURT CASESDigested from case reports published onlineCOURT DECISIONS Good news for roofer Thomas Napolitano, a roofing business owner, sought a judgment declaring that Ace American Insurance Company, a workers compensation carrier,...

Posted: May 02, 2025