Personal Lines

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…

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

4 Key Personal & Commercial Lines Exposures

4 Key Personal & Commercial Lines Exposures Every Agent Must Understand – R&R Report This 44-page Big “I” Virtual University Risk & Reality Report was created by Christopher J. Boggs,…

ISO’s 2018 Personal Auto Policy Changes

Insurance Services Office (ISO) filed 30 changes to its personal auto program effective September 1, 2018. Don’t find yourself behind the curve on the changes.

Does the PAP Cover Food Delivery?

For the personal auto insurance industry, food delivery is a big exposure. And because so many teenagers and even young adults deliver food as a primary or secondary source of…

Blue compact SUV car with sport and modern design parked on concrete road by the sea at sunset. Environmentally friendly technology. Business success concept.

Coronavirus and the Auto Exposure

Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…

Townhouses: HO-3 or HO-6?

An often asked question is, “Which is more appropriate when writing a townhouse within a homeowners’ association that purportedly provides the real property coverage for the entire building?” This is…

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

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