Virtual University

Kids Kars…An E&O Time Bomb: Can Your Staff Handle These Types of Scenarios?

Divorced parents have joint custody of their teenage son. Dad buys a car for the kid and insures it on his own policy. The agency insures mom and dad on…

Closeup image new car with piggy bank, key on hood isolated outside corporate building. Dealership offering credit line finance services. Lease automobile purchase financing concept. Financial success

Creating Achievable Goals and Objectives

If your staff is confused about the difference between goal setting and action planning read this clarifying article. The process should create synergy among all employees as well as achievable…

Business growth success achievement concept, arranging wooden block stacking as step stair or ladder for planning development leadership and customer target group concept.

HO Coverage for Freezing Claims Involving Outdoor Hot Tubs

Is an outdoor hot tub Coverage A, B or C under a homeowners policy? If damaged by a covered peril, is recovery on a replacement cost or an ACV basis?…

Beautiful crocuses growing through snow, space for text. First spring flowers

Variations on a Theme: Another Look at the Teen Driver Coverage Gap

Have you ever had an attorney or other “expert” advise one of your customers with a teen driver to place that teen on his or her own policy (usually at…

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

Telephone Toll Fraud Coverage

Your computerized telephone system is hacked and the perpetrators ring up $500,000 in unauthorized toll charges. The claim is denied under the property policy, crime policy, and cyber policy. Is…

When It Comes to Serving Clients, Do You Lead or Follow?

This article is about leadership. When it comes to policy limits, forms and coverage, being a leader pays off for you and the client! Are you leading your clients so…

Young creative dedicated startup team preparing for presentation of business project and discussing ideas while working together at table with paper draft

Providing Coverage Summaries to Insureds

Agencies and insurers often provide policy coverage summaries. Is this a good idea? As is often the case, the agency must balance the sales and service function with their E&O…

Arrows in an autumnal yellow orange red brown color scheme pointing upwards. Concept for success growth achievements

PAP Coverage for Damage Due to “Freezing”

The temperature got so cold that the vinyl flooring in an insured travel trailer cracked. Is this damage excluded by the “freezing” exclusion in the ISO Personal Auto Policy or…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

The New “Retention Dimension”

High performance agencies inevitably maintain controllable customer retention rates of 95% or more regardless of the market conditions, regardless of the insurance economy and regardless of competition. And these high…

Businesspeople talking while standing in office during break. Teamwork concept. High quality photo

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