Article

What is a “Change” in Risk?

When can an insurance carrier cancel a policy during the middle of the policy term? Everyone knows and can easily explain cancellation for non-payment, but that’s not the issue. The…

It’s Called Underwriting! Maybe You Heard of It

Insurance carriers are required to make decisions regarding which endorsements to add, which ones to remove and how best to structure the coverage to protect both the insured and the…

Insurance in Your Wildest Imagination

What does the future of insurance hold for we mere mortals? Your guess is as good as mine, but we need to imagine it. Technology and the world in general…

A Real-World Insurance Learning Laboratory

Although May is the National Wildfire Awareness month, June is the month that brings back memories for me of the two most catastrophic wildfires in Colorado’s history (based on insured…

Employers’ Liability: A Primer

Agents very rarely experience an employers’ liability claim; but this does not mean this important gap-filling coverage should not be understood. There are employee-related gaps in the commercial general liability…

Cropped shot of a group of architects in the boardroomhttp://195.154.178.81/DATA/i_collage/pi/shoots/806296.jpg

Certainly There is an Alternative to Ethics Education

Ethics is a rather irrelevant CE topic. Knowing the difference between theoretical and applied ethics does not help the insured avoid a catastrophic financial loss because the agent didn’t understand…

E-learning. Concept of education. Internet labrary. Book and Laptop. 3d

What Does an Agent Owe a Certificate Holder?

Do agents owe any duty to a certificate holder? Opinions differ. Given the reality of the COI, its intended purpose and the parties to the various contracts related to a…

Business teamwork and cooperation concept - hands of businessman and businesswoman pushing wooden peg in a stack of them. Over yellow background, with copy space.

17 “Tests” to Decide: Employee or Independent Contractor

Constant debate swirls around the difference between independent contractors and employees. It seems that every contractor wants everyone to believe that everyone on the job site is an independent contractor;…

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Customer service support, help desk, communication. Call center and home office concept. Headset and laptop on blue wooden desk, closeup view, copy space,

Weird Legal Liability Theories You Probably Never Heard Of

Practice the insurance profession long and you begin to hear and learn various legal liability terms ranging from the basic ideas of “negligence” and “torts” to more specific concepts like…

The image of a gavel in a shopping cart suggests the intersection of consumerism and legal matters.

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