STDs and the Personal Auto Policy: Part 1 of 3
Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific…
Personal Lines
Homeowners’ Form and Endorsement Changes Coming in 2022 Multistate Filing
ISO’s first major change to the Homeowners’ program has been filed. These changes are scheduled to take effect beginning March of 2022. Although this sounds like a long time from…
Homeowners’ Quiz
Test your knowledge of Homeowners’ using this 17-question quiz. Click here to access the quiz. Click here to download the answer key. Last updated: December 4, 2020
Personal Lines Quiz
Test your knowledge of Personal Lines using this 10-question quiz. Click here to access the quiz. Click here to download the answer key. Last updated: November 6, 2020
The Era of Vehicle Hacking is Here. Are Insurers Ready?
Do you think your car can be “stolen” yet still be sitting in the parking lot or driveway with you in it? Well, evidently, it can – it’s called “Hacking.”…
How Should My Agency Handle Nonresponsive Separated/Divorced Individuals on a PAP?
An agent asks: I’m working on establishing a standard office procedure for our office when dealing w/ divorce and personal auto policies. At what point are we able to remove…
Can You Share Any Homeowners’ Insurance Comparison Charts?
An agent asks: We hired a new personal lines manager and realized we never developed any homeowners’ charts; do you have any you can share?
Are Pets Covered Under a Homeowners’ Policy?
An agent asks: Are pets Covered under a homeowners’ policy?
Life Insurance Trust Tax Implications
An agent asks: I sold a life insurance Trust UL policy many, many years ago. The Doctor recently died. He had Option B (option 2). The face amount was $500,000…
Cracking the Condominium Conundrum
How can a policy generating about $75 in revenue cost you $5,000, $10,000, or more? Believing that writing an HO-6 is quick and easy is the beginning of an E&O…
