Virtual University

Understanding Dog Bite Liability and Coverage Issues

Approximately 4.5 million dog bites occur in the U.S. each year, according to the Centers for Disease Control and Prevention (CDC). According to DogsBite.org, from 2005 to 2017, 433 Americans…

Medical blue background doctor with a stethoscope

An Agent Call to Action: Underinsurance

Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop…

Referring Clients to Vendors Can Open the Door to Liability

While agents often refer their clients to trusted vendors such as glass and restoration companies, this linked article can highlight the dangers vendors may pose.

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What is a Replacement Cost Estimator?

Replacement cost estimators are a tool in the property underwriting process, but they are not intended to be exact. They are an organized guess based on data that changes, at…

Mortgage calculation, buy and sell house or real estate or cost and expense for house owner concept, small wooden house on white calculator on wooden table.

STDs and the Personal Auto Policy: Part 3 of 3

The jaw-dropping case of a $5.2 million award against GEICO for transmission (excuse the pun) in a car of a sexual disease, human papillomavirus (HPV), is one for the books.…

Medical blue background doctor with a stethoscope

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