The Insurance Geek’s Guide to Gifts

Posted by on Jan 6, 2016 in Articles, Underwriting |

The holidays are over.  We can all breathe a collective sigh of relief, digest the cookies and pies that we ate and start to think about 2016.  Chances are good that you, your family members, or your customers received a gift over the holidays.  Let’s look at a few ways to help insure those new toys and gadgets. Emerald Coverage Tower Hill’s Emerald and Emerald Deluxe endorsements provide increased special limits of liability for...

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Sailing in a Soft Market

Posted by on Oct 8, 2015 in Articles, Underwriting |

Picture the P/C underwriting cycle as rolling waves on the open Atlantic Ocean.  There are crests (hard market) and troughs (soft market) as underwriting profitability goes up and down.  In this analogy, the insurance company represents the boat.  Customers should ask themselves – how safe is their boat and can it weather the ups and downs of the cycle?  Are they riding the S.S. Minnow?  The RMS Titanic? (And hopefully, as their agent,...

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The Incredible E x p a n d i n g House

Posted by on Aug 11, 2015 in Articles, Underwriting |

Have you experienced this before?  I drove past my childhood home for the first time in years.  I stopped my car across the street and double-checked that I had the correct address.  The house and yard looked so much smaller than I’d remembered. The house was built in 1962 and had 3 bedrooms, 1 bathroom, and 1,268 square feet.  For a house that held two parents, three boys, two dogs (and the occasional frog, turtle, and snake), it’s...

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