Virtual University

A Brief Synopsis of ISO’s Last Major PAP Changes

ISO has introduced a major change to its Personal Auto program; the largest change in many years. As part of this change key provisions of the “base” PAP (PP 00…

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Rental Cars and Insurance: I Was Wrong (Sort of)

When your insured rents a car is the coverage provided by his/her personal auto policy primary or excess? The reality is, there is no one answer. The answer is a…

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Three Personal Auto Questions Every Agent Must Know How to Answer

Regardless what the commercials tell us, personal auto coverage is not one-size-fits-all. Every insured has unique arrangements and exposures. These lead to uneasiness and questions – hopefully. This article attempts…

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Alternatives to Business Income Coinsurance

Non-BOP business income coverage is written on a coinsurance basis; however, some agents are afraid of coinsurance for a couple reason: 1) they don’t know how to develop the proper…

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Why Ask the Underwriter

When agents have coverage questions, they sometimes ask the underwriter for a coverage interpretation. Interested and concerned members of the VU faculty want to know why in the world you…

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Why Ask the Underwriter?

When agents have coverage questions, they sometimes ask the underwriter for a coverage interpretation. Interested and concerned members of the VU faculty want to know why in the world you…

The Great Bad Faith Myth

Randy Maniloff, an attorney and insurance expert, discusses what is really required before a carrier can be found guilty of bad faith. The threshold for bad faith is more than…

Hammer gavel judge with car vehicle accident, insurance coverage claim lawsuit court case.

The Circular Relationship Between Contractual Risk Transfer, Insurance and Certificates of Insurance

Contractual risk transfer is often confused with insurance coverage; and certificates of insurance are ALWAYS confused for a document with any real meaning or power. This article focuses on one…

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Are You Applying the MOST Basic CGL Coverage Rule?

Before reviewing the exclusions, exceptions, and exceptions to exceptions, you must confirm the loss even qualifies for coverage based upon the grant of coverage found in the insuring agreement.

Cake statistics for business reports and statistics

How the Top 10 Songs of All Time Remind Me of Insurance

If you are a music aficionado, you will consider this blasphemy. But if you are an insurance aficionado, this article will assure you never listen to the radio the same…

Listen music online concept online music player app on smartphone

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