How can policyholders contact their TPA?

Policyholders can reach their TPA via customer service helplines, email, or through their insurer’s website. Many TPAs also provide mobile apps and online portals where policyholders can check claim status, upload documents, and seek assistance regarding their insurance policies.

---

What is a "Hague-Visby Rules" policy in Freight Marine Insurance?

The Hague-Visby Rules are an international set of rules that define the carrier's liability for loss or damage to cargo during sea transport. Policies that are based on these rules specify the terms under which the insurance will cover losses, and limit carrier liability.

---

What are the minimum liability insurance limits required?

Minimum limits vary by state, typically expressed as 25/50/25, meaning coverage per person, per accident, and for property damage.

---

Can I switch from actual cash value to replacement cost coverage?

Yes, policyholders can upgrade from actual cash value to replacement cost coverage, though it may increase premiums. It's important to review policy terms and ensure coverage limits are adequate for full replacement value. Contacting an insurance provider helps in making an informed decision.

---

How does comprehensive coverage apply to rental cars?

If rental car coverage is included or purchased separately, comprehensive insurance may extend to a rented vehicle, protecting against covered perils while traveling.

---

What is the purpose of the Chartered Enterprise Risk Analyst (CERA) designation?

The CERA designation focuses on enterprise risk management, equipping professionals with skills in financial risk assessment, modeling, and mitigation strategies.

---

How do underwriters prevent insurance fraud?

Underwriters detect fraud by verifying documents, checking claims history, cross-referencing data, and using fraud detection software. Suspicious applications may be flagged for further investigation or rejected to prevent fraudulent claims.

---

What is the difference between general and professional liability insurance?

General liability covers physical damages, while professional liability protects against financial losses from errors, negligence, or malpractice in professional services.

---