e-marketing is an excellent resource for you to find articles that communicate an insurance-related topic to your clients. The articles are provided as educational tools for your clients that will help them to understand their coverage and also to suggest risk management resources they might want to adopt. Examples from the 395 articles are:
Electronically Stored Information
Insurance, War and Terrorism
Telecommuters and Insurance
Social Media Liability
Dangerous Workplace
Employee Theft
A Broad View of Risk
Employee or Independent Contractor
Handling a Cellular Distraction
Home-business Auto
Fireworks Accidents
Smart Homes
Earthquake Safety
Cover Charge Equals Cover Loss
The Power of Non-Powder Guns
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Jonny was driving a customer's vehicle when he struck Charles and Delilah's vehicle. Because Jonny was a valet for the Olivier House Hotel at the time of the accident, Olivier House Hotel was sued, but its CGL carrier declined coverage because the customer's vehicle had been parked at a garage ten blocks away from the hotel.
Aircraft, autos, and watercraft should be insured on policies or coverage forms designed for them. However, there are situations when an auto or watercraft can be covered by the CGL because the exposure is very closely tied to the premises.
The cost of maintaining an active valet staff can be very expensive and difficult to supervise so many businesses contract with a valet parking service to provide the valet services only as needed. The valet service maintains control of the valet and also provides the needed insurance coverages. If Olivier House Hotel had such a service, this case would have been served to the valet parking service and not to the hotel.
Do any of your clients provide valet services? When clients add new services or change services they do not always remember to notify you. A renewal survey can be helpful to identify changes that could improve how to present your client to the insurance company and also identify potential coverage gaps.
