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Waiver of Subrogation for U.S. Contracts: ISO Forms & Agent Checklist
A U.S.-focused explainer on waiver of subrogation: which ISO endorsement to expect, sample clause templates, endorsement costs, and an agent checklist.
Close on Time With Knob and Tube Wiring: 30–90 Day Insurance Paths
U.S. homebuyers: how to secure homeowners insurance for knob and tube wiring, meet mortgage deadlines with E&S/FAIR/conditional binders, and use an agent...
$8,000 PIP Limit: No Fault Insurance in Massachusetts, Agent Tips
Know Massachusetts no fault rules: what the $8,000 PIP covers, the $2,000 tort and serious injury tests, and agent steps to file a claim.
Two Minute Certificate of Insurance Check for U.S. Contractors
US contractors and hiring parties: read the ACORD 25, run a two minute COI verification checklist, and get MF&T help securing the endorsements you need.
10–20% Higher Premiums for Older U.S. Homes and How Agents Help
What U.S. insurers require for older and historic homes, why premiums rise 10–20%, and how an independent agent secures HO-8, restoration, or surplus...
Small Businesses: 3 Documents for Hired and Non Owned Auto
Small business owners: bring three documents to your agent, confirm matching Hired and Non Owned Auto limits, and avoid surprise coverage gaps before a claim.
Avoid Coverage Gaps: Commercial Auto Symbols 1–9 & 19 for U.S. Fleets
Plain English mapping of symbols 1–9 and 19 to real coverage outcomes for U.S. fleet managers, with an agent backed checklist to spot gaps.
Contractor First Installation Floater Insurance for US Contractors
US contractors' checklist for installation floater insurance. Verify valuation, reporting form, transit sublimits, and needed endorsements.
25/50/30 Minimums in Massachusetts: What to Check at Renewal
Understand Massachusetts' July 1, 2025 minimums — 25/50/30 liability and $8,000 PIP — and learn what to check at renewal and when to call an agent.