Virtual University

And You Call Yourself an Expert!

True experts worry more about what they don’t know than what they do know, continually looking for ways to fill their knowledge gap. Self-proclaimed experts ignore the breadth of what…

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The Anatomy of a Hold Harmless and Indemnity Agreement

Although we know that interpreting contracts is a matter of law, because our customers routinely execute hold harmless and indemnity agreements with all manner of entities, knowledge of these contractual…

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A Single-Payer System and the Independent Agent

As the presidential race cranks up you will hear more and more Medicare for all, a.k.a. the single payer plan. What you won’t hear much about are the ramifications that…

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Coronavirus and Workers’ Compensation

What makes an illness an “occupational illness” and compensable under workers’ compensation? More specifically, how does workers’ compensation respond to the latest viral panic, the Coronavirus?

Wrap-Up (CIP) Endorsements for the CGL

In its December 2019 multi-state filing, ISO made alterations to its two existing wrap-up exclusionary endorsements, the CG 21 31 and the CG 21 54. In addition to these edits,…

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Have You Complied with the DOL’s New Overtime Rules?

Beginning January 1, 2020, the Department of Labor enacted new rules regarding exempt and non-exempt employees; has your agency complied with the new rules? IIABA’s Government Affairs teamed with Big…

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ACORD Form Access Limited

Most agents have historically accessed ACORD forms via their agency management systems or other ACORD-authorized third-party forms redistributors. This changed on January 1, 2020, when ACORD began charging all users…

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“Dagger” or Plus Symbol Classes: What They Mean

Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.

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