Commercial Lines

ISO Business Auto Form and Endorsement Revisions

ISO’s most recent BAP multistate filing includes 19 NEW endorsements. Effective 11/1/2020, many of these endorsements are the result of Big I’s Technical Affairs Committee and cover gaps that have…

Toy car on the palm of a woman's hand on pink background. Protection, insurance auto concept

Employee or Independent Contractor

Classifying a worker as either an “employee” or “independent contractor” is problematic for more than just workers’ compensation. In an attempt to minimize the problems and confusion, the Department of…

The Era of Vehicle Hacking is Here. Are Insurers Ready?

Do you think your car can be “stolen” yet still be sitting in the parking lot or driveway with you in it? Well, evidently, it can – it’s called “Hacking.”…

traffic jams in the city, road, rush hour

COVID Talking Points

Agents have asked the Big “I” many questions about COVID and insurance. Here are a few “talking points” that may be beneficial over the coming months.

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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

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.

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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