As an agent, you work closely with your policyholders to help them be successful. And that partnership often extends beyond providing them the necessary commercial insurance products to protect their business.

Insurance companies come across all kinds of claim scenarios. In this article, we will discuss three different scenarios and the coverages that apply (or may not apply) to them:

• Slip and fall incident
• FDIC (Federal Deposit Insurance Commission) investigation
• EEOC (Equal Employment Opportunity Commission) charge

These serve as great insurance claim examples to share with your clients of situations they may come across, and could help identify an exposure or a gap in coverage they might have.

Once properties become REO (real estate owned), banks must be more vigilant than ever to protect their investments. Even in “good” times, over one million homes are foreclosed every year. Despite the economic recovery, the U.S. is still seeing foreclosure filings of about 4% higher nationwide (289,116 in 1Q2016) compared to the pre-recession quarterly average of 278,912 (1Q2006 to 3Q2007).