Bad Exclusions, Trial Lawyers, and Big I Advocacy
Sometimes we come across policy exclusions that shouldn’t be there but, due to human error, they’re there. If such inappropriate exclusions are used to deny a claim, what should be…
Virtual University
The “Where You Reside” Issue…Next Steps
On October 1, 2015 in most states, ISO’s new HO endorsements designed to resolve the potential “Where You Reside” coverage gap became effective. In less than two weeks later, we…
New Homeowners Endorsements Help Solve Huge Coverage Gap
Earlier this year, the Insurance Services Office (ISO) introduced six new Homeowners endorsements that have been described as “the most important change in the Homeowners Program in 40 years.” The…
Activity Reporting…Measuring the Heartbeat of the Agency
As agency owners and managers we have the opportunity to train our staff in what we want them to do. Then we “trust” them to do it. But how many…
Business Income and Undeclared Buildings
The ISO CP 00 10 has a coverage gap for property in undeclared buildings that does not exist in their BOP. In this article, VU faculty member Mike Edwards explores…
Should Agents Follow Up on Pending Cancellations for NonPayment?
For years your agency has not followed up on insurer cancellations for nonpayment. Now you feel that you are staffed to be able to do this. From an E&O (or…
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Commercial Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Personal Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
A Word About S-Corporation/LLC Status
Taxes, what would we do without taxes? (I’m sure most of us would like to find out.) When choosing your business entity type, you need to understand how each is…
Coverage for Potted Trees, Shrubs and Plants Under HO Policies
Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…
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