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…

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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…

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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…

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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…

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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…

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