Virtual University

Every insurance practitioner knows what happens when there is an ambiguity in policy language, the insured is supposed to win. But what makes a provision ambiguous? Is an ambiguity created…

A mural is a very real insurance exposure, and a very popular addition to many both public and private commercial buildings and residences. One underwriter reported writing $500,000 coverage on…

I asked agents from all over the country to recount some of the strangest, most unusual, or simply irritating situations involving underwriters. Here are some of their responses.

I asked underwriters from all over the country to recount some of the strangest, most unusual, or simply irritating situations involving agents. Here are some of their responses.

When can an insurance carrier cancel a policy during the middle of the policy term? Everyone knows and can easily explain cancellation for non-payment, but that’s not the issue. The…

Insurance carriers are required to make decisions regarding which endorsements to add, which ones to remove and how best to structure the coverage to protect both the insured and the…

What does the future of insurance hold for we mere mortals? Your guess is as good as mine, but we need to imagine it. Technology and the world in general…

Although May is the National Wildfire Awareness month, June is the month that brings back memories for me of the two most catastrophic wildfires in Colorado’s history (based on insured…

Agents very rarely experience an employers’ liability claim; but this does not mean this important gap-filling coverage should not be understood. There are employee-related gaps in the commercial general liability…

Ethics is a rather irrelevant CE topic. Knowing the difference between theoretical and applied ethics does not help the insured avoid a catastrophic financial loss because the agent didn’t understand…