Turning Information Into Answers
Sage subscriptions can be expanded to include additional library content as described below:
National Underwriter Company
Business Auto Coverage Guide
BAP coverage is essential for the business "on the move." This guide helps you interpret the standard policy most often used to insure commercial automobile risks and provides all the answers you'll need.
The Business Interruption Book: Coverage, Claims, and Recovery
By Daniel T. Torpey & Daniel G. Lentz of Ernst & Young and David A. Barrett of Latham & Watkins. The authoritative source for information on business interruption issues: establishing values before the loss, adjusting claim issues, establishing proof of loss after the fact, handling frequently litigated issues and understanding pertinent coverage forms.
- Concentrates on real-life business interruption situations giving readers practical applications to use in the field
- Zeroes in on three most important Business Interruption aspects: setting values, proving loss, and typical areas of dispute
- Provides tools needed to negotiate a loss
Businessowners Policy Coverage Guide
Written in a non-technical, annotated style, the chapters include a background of the current businessowners policy, an overview of recent changes in eligibility requirements, copies of coverage forms, and a review and analysis of each program component.
Circular Tracker
The Circular Tracker is a reporting service developed by the editorial staff of the National Underwriter Company's FC&S Bulletins which reports daily on the circulars issued by Insurance Services Office (ISO). These brief summaries allow users to keep current with the revisions to ISO-supported lines of insurance. The circular summaries may be searched (i.e. by circular number, state, or circular title), or the circulars may be selected by date. Each entry contains a brief synopsis of the important points found in the circular, the effective date and the states affected.
Commercial General Liability, 7th Edition
Newly revised and updated to include all the significant 2001 ISO changes, this definitive guide makes understanding CGL easy. Commercial General Liability, 7th Edition provides a thorough analysis of the CGL form and explains how the latest ISO changes affect you and your clients. This expert reference also shows you how to tailor a policy to meet your clients’ needs and satisfy state requirements - complete with court citations! And it’s the only CGL reference that provides a year-to-year comparison of the coverages and exclusions from the 1973, 1986, 1990, 1996, 1998 and 2001 forms.
Commercial Property Coverage Guide
Provides P&C professionals with a guide to steer them through the policies that make up ISO's Commercial Property Program. This is accomplished by combining an easy-to-read format with liberal use of practical applications. With the Building and Personal Property Coverage Form as the cornerstone of the book, Commercial Property examines all the forms that comprise the program.
Cancellation & Non-Renewal Handbook
Helps agents and underwriters determine how a policy may be legally terminated by insurers.
Directors & Officers Liability Guide
The stakes are high. Directors & Officers liability is a topic of which insurance professionals, risk managers, business owners, and executives must be well-informed. The focus of Directors & Officers Liability is on D&O liability, the nature of the exposure, common D&O claims, risk management, and insurance coverage.
E-Coverage Guide
Discusses the main risks of the electronic world, the inadequacy of traditional first- and third-party insurance policies to meet these risks, and many of the e-coverage forms that insurers have offered to address the risks. Predominant areas of risk covered are those of information technology consultants and service providers, intellectual property infringement, Internet media and e-publishers, and e-commerce. Also discussed are the broker's role, underwriting considerations, and the application process.
Employment Practices Liability Guide
Insurance professionals, businessowners, and human resource managers have a practical guide to understanding the increasingly important area of employee claims and the insurance coverages to protect against them. It addresses the claims an employee can bring, risk management techniques to avoid or lessen the potentiality of a claim, and the insurance available to cover those claims.
E-Risk: Liabilities in a Wired World e-Coverage Guide
Don't let your e-business clients get caught in the web. Answer your clients' questions about the risks and liabilities of e-business with this handy guide. E-Risk features seven leading industry experts who address the answers and the most important concerns of electronic risk, including:
- Exposures to risk
- Global ramifications
- Emerging and traditional liabilities
- Intellectual property and personal injury exposures
- Security, internal and external
- Privacy
- Business interruption
- Physical property exposures
- Service provider reliability
- Jurisdictional issues
FC&S Bulletins
All five volumes including Personal Lines, Casualty & Surety, Fire & Marine, Companies & Coverages, and Guide to Policies.
FC&S D&O
This specialized resource provides in depth analysis of directors and officers liability exposures, available insurance coverage and risk management treatments. FC&S D&O contains discussions of exposures ranging from business management practices to Sarbanes-Oxley, as well as D&O liability policy wording and more than 130 D&O policy forms and specimen insurance company policy forms.
FC&S Umbrella
This expert reference presents a summary of the coverages afforded by an umbrella policy, describes how an umbrella policy functions and offers a checklist for underwriting an umbrella policy. Umbrella policy terms are made clear through concise discussions and focused analysis. Coverage analysis of the ISO and AAIS umbrella forms is provided in addition to an overview of the underlying coverages required by umbrella insurers. Comparison worksheets allow you to compare coverage features of various umbrella policies quickly and easily.
Field Guide for Insurance Agents and Practitioners
Provides practical information and tools, making a perfect quick reference for every day use. Whether the need is answering a client's question about the relative safety or theft ratings of a car the insured is considering purchasing; reviewing a client's coverages and determining his or her needs; looking up a state insurance department address; searching for information on licensing, countersigning, continuing education requirements; or industry meeting schedules, the information is in the Field Guide. The guide is organized into eight sections, with a table of contents and comprehensive index to guide you through the material. Topics covered include:
- Licensing and countersigning laws
- Risk management and insurance checklists
- Directories of frequently looked for names, addresses and phone numbers
- Agency management tools
- Statute and regulation summaries
- Rating codes for determining premiums
- Terms and Concepts
- Code Cross-Reference Charts featuring both SIC codes and NAICS (North American Industrial Classification System) codes.
- Continuing education requirements
- Agency Support Services - Agency Support Services is directory of information providers and publishers, agency management software providers and users groups.
- Sales Aids - The Sales Aids section features charts, graphs and tables that the reader can photocopy and enlarge for use as sales aids or handouts when dealing with customers.
- Coverage Comparison Charts - The Coverage Comparison Charts alert readers on what to check for when comparing like policies from different insurers.
- Insurance Survey Checklists
Homeowners Coverage Guide
For most people, a home is their biggest investment, and protecting it correctly is one of the most important decisions you, as an insurance professional, will help them make. You need to understand what is (and what isn't) covered. Included in this guide's extensive information:
- Explanation of HO-3, the most commonly used policy
- Other homeowners coverages, such as HO-8 and HO-2
- Common endorsements, including those for the increasingly common home business
- How to use client needs assessment to prepare the appropriate homeowners program
- Today's hot topics, such as collapse coverage, business pursuits, replacement cost and the intention acts exclusion and its application to unintended results, sexual molestation, and more
- Emphasis on ISO and AAIS forms
- Specimen copies of relevant forms
- Checklists, frequently asked questions, and details on specialty coverages that help you custom tailor the policy for each client
Licensing & Surplus Lines Laws
Provides information consistent with its name. The book treats the requirements for the 50 states, District of Columbia, Puerto Rico, the Virgin Islands, and Guam.
Personal Auto Coverage Guide
"Wheels" are crucial in today's car-dependent society. And insurance coverage information is just as crucial to your business. Get the latest information with this comprehensive resource:
- Explanation of the ISO Form
- The major coverages, including Liability, Nonowned, and Medical Payments
- The most common endorsements, including those for miscellaneous types of vehicles
- No-Fault coverage and Uninsured Motorist coverage
- Specimen copies of the Personal Auto Policy and commonly used endorsements
- How personal auto rates are determined
Personal Umbrella Coverage Guide
"Drop Down"? "Following Form"? "Excess"? If you don't know the meaning of these terms, you need this guide to help you understand this important tool in the personal lines arsenal. Your clients need umbrella coverage; your competitors will happily sell it to them - and replace your homeowners and auto coverage along the way. The Personal Umbrella Coverage Guide will teach you the basics of how umbrella policies work and interact with underlying homeowners and auto insurance, so that you can advise your clients and build your personal lines book of business.
Problem Issues In CGL
Solve general liability exposures and issues before they become problems with this great new guide. Problem Issues in CGL brings these issues into focus and explains the problems that can arise when interpreting this crucial insurance coverage. This in-depth guide addresses common CGL problems, such as: advertising injury, business risk exclusions, additional insureds/contractual liability, and occurrence issues. This easy-to-read resource explores:
- The role of “occurrence” terms in liability insurance
- Advertising injury issues such as patent and copyright infringement, antitrust, “spam” and viral marketing, phone solicitation, web page banner ads
- Changes in old and new media and their affect on whether an insured is “in the business of advertising, broadcasting, publishing, or telecasting”
- Business risk exclusions - damage to property, damage to your product, damage to your work, damage to impaired property/property not physically injured, and recall of products, work, or impaired property
- How additional insureds, contractual liability, and certificate of insurance issues relate to each other
Workers Compensation Guide
Provides a complete examination of this coverage area. It begins with an in-depth description and explanation of how the coverage works: exclusions, limits of liability, state insurance and how it applies, endorsements, policy wording, etc. Further, it provides comprehensive information on setting up and monitoring Workers Compensation programs: premiums, experience modifiers, financial plans and more. This valuable guide has more than 200 pages of forms and information, including discussions on issues that are vital for a complete understanding of the workers compensation system.
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