Personal Lines

Quite often, the VU “Ask an Expert” service gets a question about the insurance ramifications of something an insured was advised to do by an attorney, CPA, estate planner, or…

The current ISO PAP excludes the use of an auto as a public or livery conveyance. Older ISO versions excluded transporting property for a fee. However, some company forms exclude…

Some employers of people who use their personal autos for business want to be named as additional insureds on their personal auto policies (PAPs). However, many companies refuse to do…

The purpose of most endorsements is to amend policy forms by either broadening or restricting coverage. Other endorsements simply clarify the intent or scope of coverage. Finally, some endorsements are…

Getting a new car is usually fun and exciting. But having a total loss on a new car causes a double-whammy: the extreme disappointment of the loss of a new…

Your insured owns a company that has no auto coverage. For tax (or other) reasons, the company buys a car then leases it to the owner, your insured. He wants…

Independent agencies are not like many other businesses. They have unique cash management opportunities. A bank that recognizes this difference will offer a variety of specialized products, competitively priced, to help agents…

ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…

Current working partners have to find a way and method of buying out a deceased or permanently disabled member. A well prepared Buy-Sell agreement prepares for this possibility. Once again,…

A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with…