Virtual University

Why Do Insurance Policies Have Exclusions?

Every insurance policy has exclusions. In this article, we discuss the six main reasons for policy exclusions. This article covers those reasons and provides a few warning tips for insurance…

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Verisk to Introduce Significant Updates to the Businessowners Policy Program

Citing “climate change, changing lifestyles and new technologies,” Verisk will update the Businessowners (BOP) program with “significant enhancements.” Read on for an overview of the expected changes.

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Your Big “I” Technical Affairs Committee Seeks Agent Input

The Big “I” Technical Affairs Committee (TAC) is one of the least publicized committees among the groups that work to improve agency operations and solve many types of insurance issues.…

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Major Coverage Enhancements Coming to the ISO Businessowners Program

After taking a sharp hit at the start of the pandemic, small business formation has rebounded, giving insurers an opportunity to target new customers.The ISO Businessowners program was developed to…

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Non-Emergency Transportation of Patients…CGL or BAP?

A business transports people to various medical facilities such as routine doctor visits and other non-emergency appointments. How is the exposure arising from moving patients from the vehicle and into…

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What’s Happening in Multi-Family Housing Insurance Market?

The Foundation for Community Association Research Factbook reported that 52.9% of U.S. housing was built prior to 1979, leading to aging roofs, failing plumbing, and more. “The habitational market has…

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Don’t Let Water Damage Claims Drown Your Agency’s Profits

In 2021 according to the Insurance Information Institute (III), almost 24% of losses under homeowners insurance arose from water damage (including freezing-related) claims. From 2017 to 2021, III reports that…

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Waiver of Subrogation on the Commercial General Liability Policy

One of the biggest exposures for an errors and omissions claims arises from certificates of insurance. When providing additional insurance, under the commercial general liability policy replace the need for…

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Preparing a Winning Underwriting Submission

While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However,…

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