We Don’t Need No Stinking Gun Schedule
Did you know there’s a small fix for your insureds who don’t want to submit gun schedules to their insurance company? Read on for a quick overview of one coverage…
Liability
Input from ACORD Regarding Recent Changes to the ACORD 25
ACORD recently released a new edition of the ACORD 25 (2025/12), now in use. Here is a clarification to any confusion about listing contract not policy limits.
Condo Association Does Not Rebuild After a Loss: Does the Unit Owner Recoup Their Investment?
For a total loss of a condominium association’s premises, many chose not to rebuild. This can occur for a variety of reasons. These include insufficient limits to recover the full…
Rural Hospital Closures: A Growing Crisis Threatens Workers’ Compensation Systems Nationwide
The loss of rural healthcare will also affect the workers’ compensation system, rural industries and rural government. This article considers the problem and provides solutions that agents who write workers’…
Nail Down Roofing Contractors’ Insurance Every Time
Tap into Today’s Booming Construction Market The construction industry is prospering, driven by these factors according to Property Casualty 360. Experts predict a “mixed bag” for the industry, according to the Associated…
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…
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…
Coronavirus and the Auto Exposure
Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…
Employee Hits His Own Car in a Company Vehicle! Is This Excluded in the BAP?
“An” insured does not equal “the” insured in any policy; however, carriers like to broaden the meaning of “an” insured in the BAP care, custody or control exclusion to make…
BAP Coverage for Auto Hired with Driver
An event planner wants to expand his services to include hiring a shuttle van, shuttle bus, or limo as a part of a package deal when planning large events. The…
