Virtual University

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

Working with Adjusters to Get Claims Settled

Agency personnel have typically taken one of three approaches to agency claims handling – a hands-off approach – “It’s between you and the insurer”; an overly involved approach, focused on…

Construction Risks Becoming Harder to Place

Construction risks are becoming harder to place and premiums continue to increase. With the construction starts expected to increase by about 7% in 2024, now is an opportune time to…

Flood Risks Are Rising – Are Your Clients Prepared?

Your clients may be unaware of the flooding risks they face. A free, online assessment tool pioneered by First Watch Foundation may help your policyholders better recognize their flood risks.

High and fast water rising in Bayou River with downtown Houston in background under cloud blue sky. Heavy rains from Harvey Tropical Hurricane storm caused many flooded areas in greater Houston area.

Vacation Season is Open Season for Burglars

Summertime can be a bonanza for burglars. If you insure second homes owned by “snowbirds,” the risk of burglary increases during the summer, especially in July and August, according to…

yellow colorful travel bag with straw hat and sunglasses isolated on blue

The Coming and Going Rule in Workers’ Compensation Claims

The coming-and-going rule in workers’ compensation claims management can determine whether an adjuster or administrative law judge finds an injury compensable. Because each state drafts its own workers’ compensation laws,…

DBAs: Back Again, With a Not Necessarily Surprising Decision

Massachusetts highest court refuses to expand coverage beyond “DBA” in named insured, resulting in no coverage for $14m consent judgment in April 2022. Read on to learn more.

Joint fundraising. Attracting specialists to work and financing them. Corporation, joint venture. Team building to make a profit.

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