Personal Lines

When Can Coverage Be Dropped on a Stolen Car?

Your insured’s car is stolen. Since he only carried liability coverage, he wants to simply cancel the policy and get a return premium? At what point does his potential liability…

Car insurance concept. Piggy bank and wooden car on table

ISO Files Most Important Homeowners Change in 40 Years

In 2001, we learned of a potentially catastrophic coverage gap in most homeowners policies. For the past 14 years, we have written about this and discussed it in seminars and…

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

Graduation: For Whom the (Insurance) Bell Tolls

As bells chime across the campus, and the familiar refrain of “Pomp and Circumstance” announces yet another graduating class, a milestone has been reached by both the graduates and their…

Piggy bank with black graduation cap, stacking book, coins on pink background. Money savings, invest in education or knowledge concept. Financial planning, bank loan for kid tuition cost. 3d rendering

Did You Get a Drone for Christmas?

There is a good chance that you or someone you know got a drone aircraft for Christmas. For many, the learning curve on controlling drones can be steep. What happens…

White Drone with Photo Camera on a yellow background. 3d Rendering

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

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.

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.

Thermal damage to Vinyl Siding…Covered by an HO Policy?

A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

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