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Church-Owned, Pastor Insured: Is This Correct?

An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…

White car on colored background. Model white retro toy car on orange background. Miniature car with copyspace.

Church-Owned, Pastor Insured: Is This Correct?

An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…

Businessman hand holding umbrella and cover red car toy on table. Car insurance, warranty, repair, Financial, banking and money concept

Coronavirus Revisited – Should the Business Income Policy Respond?

During the pandemic panic, one of the most common question received by the VU was, “Does the Business Income policy cover government-mandated shutdowns?” The answer then and the answer now…

Group of professional business meeting and discussing strategy with new startup project.Creative african american man planning and brainstorm with laptop computer in modern office.Teamwork

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…

Food Delivery and the Business Auto Policy

Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery…

Food delivery home. Donation and charity. Selective focus. nature.

Disclaiming Disclaimers

An agent asks: COVID and all the coverage debates swirling around it has raised the question in our agency regarding the use of a disclaimer. Several in the agency think…

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

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