Virtual University

Home Sharing Hosts and the Loss of Income

Home sharing hosts have exposures not common to many homeowner clients, a business income exposure. When an unexpected loss occurs, the home owner losses a source of revenue. Does the…

BROWSTOWN, MICHIGAN-SEPTEMBER 20, 2019: Condominium homes in an upscale Detroit suburb.

Building Codes Turn Partial Property Losses into Total Losses

Few commercial structures fully meet the applicable jurisdictional building codes and regulations of the county, city, town, borough, village or township in which they are located. Building codes are routinely…

Large cog wheels in the motor

Bad Things Happen When Employees Travel to Other States

Traveling employees create workers’ compensation coverage nightmares; but many agents are unaware of these travelling landmines until after the injury. The problems arise at the junction of two key concepts:…

“Leaseback” of a Personally-Owned Auto Done Right

Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…

car after an accident, after a pedestrian hit

The “Business Use” Exclusion in the Personal Auto Policy

In practical application, the PAP extends coverage for the business use of a “your covered auto” provided it’s not used to carry people or property for a fee (i.e., Uber…

Gray modern car closeup on black background.

11 Requirements for Management Success

Employees are your greatest expense, but they are also your most valuable asset. The loss of great or even just a “good” employee has a tremendous effect on the agency.…

Business team hierarchy. Connections and relationships in the company. Personnel management. People connected in hierarchical system. Separation of roles and responsibilities. Career. Teamwork

Mid-Term Cancellations

Once a policy is in effect and has existed beyond the underwriting period, provisions still exist allowing the carrier to cancel the policy during the policy period. These are often…

Mid-Term Cancellations

Once a policy is in effect and has existed beyond the underwriting period, provisions still exist allowing the carrier to cancel the policy during the policy period. These are often…

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