Yearly Archives: 2021

Phone Carriers’ New Requirements for Business Texting

​National phone carriers like T-Mobile, AT&T and Verizon are starting to implement new requirements for business texting to counteract telemarketing spam. The requirements primarily focus on businesses using application-to-person (A2P) text messages sent via 10-digit long code (00310DLC) phone numbers, which are phone numbers that include a local area code and support high volume texting.Most major phone carriers will start requiring businesses to register their texting campaigns and follow various protocols with their texts, such as obtaining consent. Businesses may be subject to large fines and penalties for non-compliance.    The 10DLC requirements are different in certain respects for each carrier and are at varying stages of…

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‘Additional Insured Request Form’ Available For Your Use

​Any agency that sells commercial liability insurance (that is, pretty much all of you) gets requests from its clients to name some person or organization as an additional insured. I've said it before and I'll say it again - America used to be a country where everyone dreamed of being rich; now it's a country where everyone dreams of being an additional insured.When someone is an additional insured on a liability insurance policy, the insurance carrier is assuming some of their loss exposures. Consequently, underwriters rightly want to know why they should provide coverage for these parties. To make it easier for you to give them…

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Don’t Forget To Offer Your Clients Flood Insurance

​ Photo ​by Staff Sgt. Sharida Jackson, U.S. Air ForceUsed under a Creative Commons Attribution 2.0 license​Ever since Tropical Storm Ida dumped huge amounts of rain on the New York City area earlier this month, we've been receiving questions from members about insurance coverage for water damage losses. Unfortunately, homeowners insurance will not cover most of these losses. This seems like a good time to remind you that New York State law​ requires insurers to inform their homeowners and dwelling policyholders that their policies do not cover flood damage, and that coverage is available from the National Flood Insurance Program. Some of the insurers you represent may…

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