July is time to remind ourselves that your clients' freedom means that they can go about their lives without being paralyzed by fear of loss. We should aim to replace uncertainty with certainty, and to replace stress of potential loss with a good night's sleep. In two areas, agents often put in too much effort when the issue may be more easily remedied.

Mobile equipment

Countless hours are invested in determining whether the insured is covered for liability when using vehicles that may fall into the grey area between the policy definitions of "auto" and "mobile equipment." Deep analysis of every vehicle, piece of equipment and nuance of the policy definitions of "auto" and "mobile equipment" is pursued, with great emphasis on the deadly peril faced by the agent and insured if the coverage is improperly arranged.

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