Coverage GAP?
Coverage GAP? QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 26, 2018 I have found a GAP with the MA auto policy and do not know how to insure my clients. I have an insured who is a police officer on a special division that responds to…
Client Moved OOS and has MA Plate
Client Moved OOS and has MA Plate QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2018 I have a client who has moved out of state. He has obtained a policy there but is still riding on the Mass plates. He wants to keep the other…
What an NFIP Lapse Will Mean to Mass. Agents
What an NFIP Lapse Will Mean to Mass. Agents As of this writing (Friday afternoon, 12/21/18), a government shutdown is still looming. If the shutdown happens, the National Flood Insurance Program (NFIP) reauthorization will lapse at midnight tonight. (Reauthorization of NFIP is tied into the funding bill). If a lapse does occur, existing NFIP flood policies…
Christmas Closure
Christmas Closure Our offices will be closed Monday, December 24th, and Tuesday, December 25th for the Christmas holiday. Our offices will re-open 10 a.m. on Wednesday, December 26th.
Driver Information
Driver Information QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 17, 2018 I have an insured who’s commercial auto policy is being non-renewed with Hartford as a driver came back with a DUI on his record. Per Hartford the insured was asked for an updated drivers list,…
Surcharge Question
Surcharge Question QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 22, 2018 One of our carriers that is newer to MA auto claims handling issued a surcharge to our insured driver. The driver was deemed 50% at fault and other driver deemed 50%. There was more than…
The Impact of Driverless Cars and The Insurance Market
The Impact of Driverless Cars and The Insurance Market A world where autonomous vehicles are ‘the new normal’ may still be many years in the future, but our industry is keeping a close eye on this emerging topic. In this recent article from IA Magazine, Senior Editor Jacquelyn Connelly spoke to Michael Klein of Travelers…
E&O: Agency Producers: We Need Your Total E&O Commitment
E&O: Agency Producers: We Need Your Total E&O Commitment Utica National Insurance Group brings monthly loss control articles to MAIA members directly from the risk management team. Read the article below or download this month’s article in PDF format.
Motorcycle Coverage
Motorcycle Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 23, 2018 I’m hoping you can help me out on this one. We have an insured with a Motorcycle. She has accident and broke her wrist. Insured did not have med pay on the policy and PIP…
LLC and Trailer
LLC and Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 31, 2018 I have an insured who’s commercial auto with Progressive is in his LLC name. He has a trailer to be added to the commercial policy but it’s in his personal name. I know typically…
Tech Talk: Homes Put in Personal Trust … How to Insure?
Tech Talk: Homes Put in Personal Trust … How to Insure? By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs, MAIA
MAIP TNC Endorsement?
MAIP TNC Endorsement? QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 2, 2018 If an insured is driving with Uber/Lyft and doesn’t qualify for a traditional carrier who has that endorsement such as Commerce, can they be placed with a MAIP policy and have the Uber/Lyft coverage?
Contractors Equipment vs. BAP Coverage
Contractors Equipment vs. BAP Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on October 30, 2018 I am hoping you can help me figure out the proper way to cover our insured. I will preface that the carrier writes all lines for the insured (BAP, PKG, UMB). Currently,…
Hannon-Murphy Insurance Runs Juice Box Drive for School Kids in Pembroke
Hannon-Murphy Insurance Runs Juice Box Drive for School Kids in Pembroke Students in a local Pembroke community were able to return to class this school year with a little extra in their lunchboxes thanks to Hannon-Murphy Insurance.
Trailer and No MAP
Trailer and No MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 1, 2018 I have a customer who now has a company car and no personal auto in the household (divorced). He stills own a trailer which I can’t have on a MAP by itself (at…
Trailer Weight Change
Trailer Weight Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 7, 2018 We have a client that just got his trailer weight adjusted. Is it as simple as an RMV-3 with the new weight or does he need to bring additional documents with him? The weight…
Loss of Use Coverage
Loss of Use Coverage QUESTION This question was answered based upon current rules, regulations & statutes in effect on November 7, 2018 It has always been my understanding that a MA auto policy will cover car rentals only with the coverage & limits on the insured’s MA auto policy which would mean there would be…