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Untangling the Work Comp Mess – Who is Covered and When

Two key questions are answered in this report – what makes an injury or disease compensable under workers’ compensation and who is covered by the work comp policy.

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Untangling the Work Comp Mess – When Employees Travel and Their Families Sue

When employees travel out of state for work, real work comp coverage gaps can exist; and these gaps could leave the employer without the necessary protection they THOUGHT they purchased…

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Workers’ Compensation: 5 Mistakes Every Agent Makes

Workers’ compensation, as a coverage, is simple. A worker gets hurt and, theoretically, the work comp policy pays; that’s the simple part. The more complicated areas of workers’ compensation involve…

Illinois DOI ‘Requests’ Insurers Not Apply Policy Provisions

Company Bulletin 2020-15 issued June 8, 2020, by the Illinois Department of Insurance (IDOI) threw key provisions of the business income policy out the proverbial window. This article examines how…

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Certificate of Insurance Questions and Answers

Certificates of insurance account for more headaches at the agency level than just about any other issue. Because COIs create so much angst, the VU regularly conducts webinars regarding them.…

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New Flood Insurance Manual

The National Flood Insurance Program (NFIP) updated its Flood Insurance Manual effective April 1, 2020. Following are links to the updated manual appendices.

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