Upload a Submission
Submissions If you already have apps completed and just want to send them to us to quote, or it’s one of the few lines of business where we do have to have an app, just submit it to us by using this form, via email, fax or even snail mail. We’ll send you a confirmation to let you know that we did [...]
Blanket Additional Insureds
Dear JSA, In my agency we disagree about the Blanket Additional Insured endorsement - I believe it extends AI status to other parties who have entered into a written contract with our insured, but does not extend all coverage provisions and policy benefits; others believe the Blanket AI endorsement provides AI status to anyone who requests it, and extends all coverages and policy [...]
Do company financial ratings matter?
Dear JSA, I'm a little confused - I'm placing a new account, and the insured has asked me to assess the financial strength of the carrier. If the company is approved to do business in my state, why does it even matter? - Stuck on Financial Strength Dear Stuck, What a great question! As insurance agents, we have the duty to [...]
Mythbusting Lloyd’s of London
Dear Chris, I really enjoyed the recent JSA continuing ed classes, and learned a lot! I took a ton of notes on Lloyd's of London, but unfortunately, I've misplaced them - could you refresh my memory with a few key points to remember? - Lost It on Lloyd's Dear Lost It, Thank you so much for supporting JSA CE classes - it [...]
General Liability or Garage Liability?
Dear Chris, Can you please explain the difference between a commercial general liability policy and a garage liability policy? - Leery of Liability Dear Leery, I get this question a lot when company underwriters want to use a commercial general liability (CGL) form to insure a garage operation. For years, we placed all garages, service stations, repair shops, and auto dealerships on a [...]
Bobtail or Deadhead?
Dear Chris, We're writing more trucking insurance these days, but we're having a hard time learning the language. What's the difference between bobtail coverage and deadheading? One reminds me of Jingle Bells, and the other makes me think of Jerry Garcia! Help! Sam in South Carolina Dear Sam, First, I'm proud of you for realizing there's a difference! A lot of [...]