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An insured who is leasing a building or space in a building is being required by the landlord to carry $1M in “fire legal” coverage. The insured’s CGL insurer will…

Your insured’s 21 year old daughter is moving from a dorm to an apartment at college. She has been covered on your family HO and PUP policies but the underwriter…

Let’s face it, even the best and brightest of us sometimes do dumb things and often it’s with good intentions to help a customer. But the cold, hard E&O reality…

We often get questions about in ground pools and whether they’re HO Coverage A or B. HO guru David Thompson explains, with photos, why this isn’t always cut and dried,…

Is too much of your staff’s time being spent responding to telephone requests for auto quotes? One agency getting 80 calls a day seeks a way out and the VU…

A dock is damaged by a covered peril but the carrier denies the claim, citing the “piers, wharves, docks” exclusion. You argue that his language applies to permanent docks, not…

We find that often there is a misconception that listing someone as a driver on an auto policy automatically makes them an insured or that someone is not an insured…

You insure a residential painting contractor. Many of his customers give him access to their homes when they are not around. What if he damages the premises while having sole…

What happens if an insured’s tree falls and damages property or injures someone on a neighbor’s premises? If the occurrence is caused by an “Act of God,” is the insured…

This may be the most important coverage article you read this year. It may be the most important coverage article you’ve ever read. Please read it. And please have your…