Distinguished Blog - Insurance Made Easy

Market insights and industry news.

Community Association Cyber Liability Insurance: A Complete Guide for HOAs, COAs, and More

As community associations continue to embrace technology, more and more sensitive data is getting stored online. Digitizing everything from membership login information to financial reports is convenient, but it also opens homeowners’ associations (HOAs), condominiums associations (COAs), and other organizations to the threat of cybercrime. For this reason, community associations need to understand their cyber…

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When & Why Contractors Should Consider a Project-Specific CPL Insurance Policy

If you’re a commercial lines broker, you have undoubtedly handled construction-related accounts.  Whether it’s for general contractors or trade contractors like electrical, plumbing, or roofers, you are probably well-versed in their practice policy needs.  And while a practice policy can address most of your client’s needs, there are times when the project at hand calls…

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The Benefits of Project-Specific Contractor’s Pollution Legal Liability Insurance 

Construction projects require significant planning and resources. As the project progresses, one of the most important risk management practices is to ensure that everyone involved is adequately insured in case of a liability issue. Project-specific Contractor’s Pollution Legal Liability insurance (CPL) provides a unique opportunity to tailor an insurance policy to each construction project’s exact…

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Behind the Counter: What Every Insurance Broker Should Know About Fast-Casual Restaurant Insurance

Running a fast-casual restaurant can be a high-risk business. From kitchen fires to customer accidents, there’s always a potential for something to go wrong. That’s where insurance comes in. But as an insurance broker, do you know everything you need to about fast-casual restaurant insurance? The fast-casual restaurant industry has experienced significant growth in recent…

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Broker Tutorial | How to Submit City Insurance Business Video

TRANSCRIPT: Introduction & Broker Tab (0:00) Hello, and welcome to the Distinguished Programs City Insurance Submission and Portal overview. Today we’ll be going through a basic submission entry, and how to submit it to underwriting for review. The first option you’ll look to select is the new quote option in the top right portion of…

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Builder’s Risk Insurance: Are Your Insured’s Betterments-Only Project Correctly Valued?

Owners and tenants often make improvements to their homes for various reasons, including remodeling kitchens, upgrading bathrooms, replacing old fixtures, and carpets. While construction is underway to make such improvements, proper coverage must be in place. Builder’s Risk Insurance Options Distinguished offers three different types of Builder’s Risk policies: new ground-up construction, remodeler’s, and betterments-only…

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What Does the City Insurance Program Cover? Part 1

This is an excerpt from our free “Broker’s Guide to City Insurance Program” eBook. Click here to download your copy. City Insurance or Landlord Insurance provides both Property and Liability insurance for multi-family buildings, apartments, condos, brownstones, and co-ops, addressing their unique exposures. Here is an overview of what our program offers. Property Insurance Our Property…

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Umbrella Insurance for City Clubs: A Broker’s Guide

In this article, we examine the ins and outs of umbrella insurance for city clubs. Also known as a social club or business club, a city club is membership-based and, as its name implies, is often located in an urban area close to its members’ homes or offices. It’s a place where people can socialize, network,…

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Broker’s Guide to Planned Unit Developments (PUD) Insurance

Statistics provided by iPropertyManagement reveal that homeowners associations (HOAs) manage 355,000 communities in the U.S., with an average of 22 new associations created each day. More than 50% of all homeowners live in HOA communities. Residential planned unit developments (PUDs), which include single-family homes, are governed by an HOA. Single-family homeowners in PUD communities are…

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Casino Umbrella Insurance: The Safe Bet

Walk into any casino or hotel-casino, and you are immediately transported to another reality by the barrage of noises from the spins of slot machines, the ding and dong of games, coins hitting metal, and the pitter-patter of the those running the games. There’s also the hustle and bustle of the wait staff and the…

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Community Association Insurance: The Who, What, and How for Brokers

Community associations come in all shapes and sizes. However, no matter whether your client represents an HOA, a COA, or some other collection of letters, they’ll need community association insurance to keep them financially secure.  Insurance brokers who are working to grow their clientele need to understand who they’re selling to, what they want, and…

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