Virtual University

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…

Side view portrait of successful businesswoman using wheelchair while working with computer in office, copy space

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…

New ideas or transformation concept with crumpled paper balls and a crane, teamwork, creativity, business concept

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…

Car and piggy bank budget. Financing, auto tax, insurance and car loans, savings concept.

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…

Closeup image of people preparing to grow a small tree with soil in the garden

Policy Form Edition Dates and Why They’re Important

One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The…

The Pressure to Get Bigger

A serious problem has been created by the misuse of the word “volume.” When companies say they want more volume, agency owners form clusters to “give” companies more volume. As…

Female hands, a small wooden house and keys as an idea for investing in your own home and achieving the goal of buying real estate. Background for your idea

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