Virtual University

Business income is the most undersold property coverage likely because it is the most misunderstood and scary. In reality, BI is quite once these basic concepts are understood.

Learn how to complete the business income worksheet (CP 15 15), a worksheet that has frightened insurance practitioners for decades.

We do a bad job of explaining the concept of “replacement cost” and tend to tell clients they will get new stuff for old junk. This may be partially true,…

Gain a better understanding of the four key Property Underwriting factors – Construction, Occupancy, Protection, and Exposure (COPE).

Insurance Services Office (ISO) filed several important commercial property changes effective September 1, 2017.

Two key questions are answered in this report – what makes an injury or disease compensable under workers’ compensation and who is covered by the work comp policy.

When employees travel out of state for work, real work comp coverage gaps can exist; and these gaps could leave the employer without the necessary protection they THOUGHT they purchased…

Workers’ compensation, as a coverage, is simple. A worker gets hurt and, theoretically, the work comp policy pays; that’s the simple part. The more complicated areas of workers’ compensation involve…

An agent asks: We have a few clients with multiple retail locations throughout various states with various policies. If they have locations which receive damages from riots on multiples nights,…

An agent asks: Several of my clients’ have suffered damage as a result of the riots in the area. However, prior to the riots they were already closed as a…