Virtual University

Off-Premises Mobility for the Elderly

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners…

Which size of house can you afford? Concept shot: four differently sized models of houses on a blue background. Copy space available, web banner format

2013 ISO Commercial General Liability Changes

ISO revised various General Liability coverage forms and endorsements effective April 2013 to reflect the changing needs of insureds and insurers. As with all program changes, the revisions include broadening…

RCBAP and Insurance to Value

Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property.…

Disability Income Insurance

As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…

Paper colorful people and a red heart. The concept of love and kindness, donation

Death in an Agency

I have unfortunately worked with the families, estates and partners of several agency owners who have passed away. Most, but not all, of the deaths occurred unexpectedly. In all cases,…

Large cog wheels in the motor

How Much Insurance Do I Need on My Building?

An insured buys gets a steal on a new building, paying $2.5M for a building with a replacement cost of $12M. The insured is concerned with protecting his investment rather…

A car passes in this long exposure downtown Indianapolis and a storm brewing

2012 ISO Commercial Property Changes

The 2012 ISO Commercial Property filing changes both policy forms and endorsements. The forms have an edition date of October 2012. Since the changes include both broadening and reduction of…

Filters

  1. Virtual University (1861)
  2. Best Practices (1)
  3. Big "I" Hires (1)
  4. Ask an Expert (4)

  1. VU Resources (1850)
  2. Posts (8)
  3. News (3)

  1. Article (1738)
  2. Download (9)
  3. Webinar (6)
  4. Guide (1)
  5. Checklist (1)

  1. Agency Management (670)
    1. Agency Operations (670)
  2. Customer Service (530)
  3. Marketing (257)
  4. Technology (1)
    1. Artificial Intelligence (1)
  5. Sales (81)
  6. Procedures (63)
  7. Human Resources (42)
  8. Certificates of Insurance (70)
  9. EO Loss Control (19)
  10. Professional Development (24)
  11. Perpetuation (19)
  12. Hiring and Recruiting (3)
  13. Risk Management (7)
  14. Regulation (1)
  15. Professional Liability (12)
  16. Diversity & Inclusion (1)
  17. Contracts (13)
  18. Disaster Preparedness (1)
  19. Compensation (7)
  20. Hiring (2)
  21. Recruiting (1)
  22. Agency Financing (2)
  23. Valuation (1)
  24. Employee Benefits (1)

  1. Commercial Lines (4)
    1. Commercial General Liability (CGL) (5)
      1. Exclusions (37)
      2. Other CGL (31)
      3. Coverages (19)
      4. Endorsements CGL (15)
      5. Additional Insureds (11)
      6. Contractual (8)
      7. Insureds (7)
      8. Crime (7)
      9. Liability CGL (6)
      10. Conditions CGL (5)
      11. Definitions (5)
    2. Property (2)
      1. Conditions Property (36)
      2. Other Property (32)
      3. Coverages Property (17)
      4. Property Exclusions (13)
      5. Endorsements Property (9)
      6. Perils (2)
    3. Commercial Lines Auto (3)
      1. Physical Damage (13)
      2. Other (11)
      3. Endorsements (10)
      4. Garage (3)
    4. Miscellaneous Commercial Lines (64)
    5. Business Income (50)
    6. Workers Compensation (47)
    7. Liability (19)
    8. Professional Liability (15)
    9. Flood (4)
  2. Personal Lines (28)
    1. Homeowners (1)
      1. Other Homeowners (24)
      2. Condo Issues (15)
      3. Property Coverages (14)
      4. Liability Coverages (11)
      5. Property Perils (11)
      6. Exclusions Property (9)
      7. Vehicles (7)
      8. Liability Exclusions (7)
      9. Insureds Homeowners (7)
      10. Definitions Homeowners (7)
      11. Conditions Homeowners (7)
      12. Endorsements Homeowners (1)
    2. Auto (1)
      1. Liability Auto (17)
      2. Insureds Auto (14)
      3. Other Auto (14)
      4. Physical Damage Auto (14)
      5. Rental Cars (6)
      6. Endorsements Auto (3)
      7. Conditions (1)
    3. Miscellaneous Personal Lines (29)
    4. Flood Personal Lines (28)
  3. Life and Health (4)
    1. Life (12)
    2. Miscellaneous (12)
    3. Health (4)
  4. Back to Basics (26)

  1. Commercial Lines (1)
    1. Workers Compensation (51)
    2. Commercial Auto (46)
    3. Professional Liability (4)
      1. E&O (4)
    4. Cyber Liability (1)
    5. BOP (1)
  2. Personal Lines (1)
    1. Homeowners (1)
      1. Jewelry (1)
    2. Life Insurance (26)
    3. Personal Umbrella (1)
  3. Auto (69)
  4. Flood (1)
    1. Personal Flood (1)

  1. Big "I" News (1)