Insurance Journal

To insure farms and agribusinesses effectively, you need forms and rating information that address a wide range of risks with diverse personal, commercial, and farm exposures.

Liability protection can be provided by either an “occurrence” trigger or a “claims made” trigger.  Learn the coverage triggers for both “occurrence” and “claims made” forms.

Gain an understanding of the applicable insurance policy’s limitations and exclusions to find and exploit coverage gaps.

Learn the five major coverage gaps in the BOP policy and how to close these gaps where possible

This two-part series digs into the flood forms and unique provisions used by the Federal government in the application of flood coverage.

Learn the unique operational aspects of nonprofits and how these differ from businesses.  Learn how you can work together in a partnership that offers benefits to both the nonprofit and insurance provider.

Learn what “values” relate to insurance, how each of these values relates to indemnification, and the true insurance meaning of these terms.

Knowing who is and is not an “insured” will lead to a better program by allowing any unintended gaps in insured status to be exposed and corrected before loss occurs.

Understanding the four levels of "insured" status and each one’s relationship to the coverage provided allows improved preparation and planning in the initial design and implementation of the insurance program.