Personal Lines

Read the Policy You’re Selling

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…

Shopping cart and house on a blue background. Buying and selling real estate. Copy space for text

The Danger of Relying on Automatic Coverages

From “host liquor” in a CGL policy to “vacant land” in an HO policy, we often relying on automatic coverages for certain exposures to cover an insured who has an…

How to Misread an Insurance Policy

A claim was filed against a homeowner for a child injured at a facility being rented by the homeowner. The adjuster has denied the claim, but is the denial correct?…

Auto Insurance is NOT a Commodity…Really

A homeowners insured has his auto coverage with a captive agent. His resident daughter has her coverage with a direct sales insurer. He backs into her car and his auto…

traffic jams in the city, road, rush hour

Using Lawn Tractors Off Premises

An insured keeps a high value lawn tractor at a hunting camp owned by an LLC he’s part of. How does he insure that vehicle and its use? Will his…

Young green crops of corn on agricultural field in the sunset. Corn plants growing in rows. Agriculture

HO Coverage for Camper Trailer

Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?

Kid’s Car Jointly Titled with Parents

Your insured’s daughter had a car at college jointly titled to her and mom. Daughter has graduated and moved to another state with the auto which remains insured on mom’s…

Businessman hand holding umbrella and cover red car toy on table. Car insurance, warranty, repair, Financial, banking and money concept

Insurance and Joint Custody of Kids

The divorce of insureds can often create problems for CSRs handling the transition of their personal lines account. However, even when a divorce is amicable, agents may be expected to…

desk work at home or at office online time manage study schedule. business education with stationery are floor lamp, smartphone, calendar, notebook and clock object colorful pastel. 3D illustration.

Filters

  1. Virtual University (261)
  2. E&O Guardian (1)

  1. VU Resources (261)
  2. Resources (1)

  1. Article (258)
  2. Webinar (3)
  3. Checklist (1)

  1. Commercial Lines (1)
    1. Property (13)
      1. Coverages Property (1)
      2. Property Exclusions (13)
    2. Liability (1)
  2. Personal Lines (28)
    1. Homeowners (1)
      1. Other Homeowners (24)
      2. Condo Issues (15)
      3. Property Coverages (14)
      4. Liability Coverages (11)
      5. Property Perils (11)
      6. Exclusions Property (9)
      7. Vehicles (7)
      8. Liability Exclusions (7)
      9. Insureds Homeowners (7)
      10. Definitions Homeowners (7)
      11. Conditions Homeowners (7)
      12. Endorsements Homeowners (1)
    2. Auto (1)
      1. Liability Auto (17)
      2. Insureds Auto (14)
      3. Other Auto (14)
      4. Physical Damage Auto (14)
      5. Rental Cars (6)
      6. Endorsements Auto (3)
      7. Conditions (1)
    3. Miscellaneous Personal Lines (29)
    4. Flood Personal Lines (28)
  3. Life and Health (1)
    1. Miscellaneous (1)
  4. Back to Basics (7)

  1. Commercial Lines (2)
  2. Personal Lines (1)
    1. Homeowners (1)
      1. Jewelry (1)
    2. Personal Umbrella (1)
  3. Auto (69)
  4. Flood (1)
    1. Personal Flood (1)

  1. Agency Management (8)
  2. Certificates of Insurance (5)
  3. EO Loss Control (1)
  4. Professional Development (1)
  5. Risk Management (1)
  6. Disaster Preparedness (1)