I received a request to explain carrier ratings, so that is our next topic! (I love requests, so reach out to me at michelle.mcarthur@hubinternational.com if there’s an insurance term you…
Mortgage impairment insurance is a specialized form of coverage designed to protect lenders when something goes wrong with originating or servicing a mortgage due to an error, oversight, or breakdown…
Property tax tracking services are a function that tends to be underestimated until something goes wrong. For community banks, credit unions, and mortgage servicers, we increasingly see that moment arrive as a compliance finding or a missed tax-sale…
When a borrower lets their auto or equipment insurance lapse, the lender’s collateral sits exposed. For portfolios with thousands of indirect auto loans or equipment contracts, the dollar exposure compounds…
Gap Debt Cancellation (GAP coverage) is a debt cancellation or insurance product that pays the difference between a primary insurer’s total-loss settlement and the outstanding loan balance. For lenders, it…
The Mortgage Bankers Association’s 2026 CRE Servicing Solutions Conference covered the full breadth of the CRE servicing landscape. Here’s what we found most relevant for lenders from an insurance risk and servicing…
What is Corporate Account Takeover in Commercial Lending? Corporate account takeover is one of the higher-stakes fraud scenarios a commercial lender can face. When a hacker steals a customer’s credentials…
Borrower Insurance tracking sits at the intersection of borrower experience, collateral protection / enterprise risk, and regulatory compliance. When not designed with all three in mind, the result is a…
Coinsurance can be a bit confusing, and we are seeing it more and more on commercial property policies so we should take a minute to understand what it means. In…
Check fraud is on the rise, with organized fraud rings targeting mailed checks and exploiting gaps in customer monitoring. Many financial institutions are implementing indemnification agreements to address this exposure,…