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History of Flood Mitigation and Insurance Laws

From a flood insurance perspective, how did we get to where we are? Flood insurance is colorful enough on its own, but reading the history makes it even weirder.

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Understanding the Unique Facets of Flood Insurance

Flood insurance is, unusual. A flood policy essentially covers one peril but it is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must…

Including a ‘DBA’ in the Named Insured Might Limit Coverage

Does the breath of coverage depend on the inclusion or exclusion of the assumed business name, the DBA? Well, the answer isn’t as clear as you might think.

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Inadequate Replacement Cost – An Indirect Result of COVID

COVID-related supply chain issues have dramatically increased the cost of building materials. The result, replacement cost limits on property policies may be too low for the foreseeable future. How should…

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Commercial Property Quiz

Test your knowledge of Commercial Property with this 10-question quiz.

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Quick Warning for Contractor Risks!

If a commercial contractor is now doing residential work because of market conditions, watch out for a residential exclusion.

Claims Made and Polling Letters

If you have a client written on a “claims made” policy, a polling letter can save them from an uncovered claim and you from an E&O loss. Polling Letters are…

Business Income and the Supposed Ambiguity of “…Direct Physical Loss of or Damage To…”

Is the phrase, “…direct physical loss of or damage to…” ambiguous? Plaintiff attorneys are trying to convince courts that it is. Simply, it’s not, and this article explains why.

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