Personal Lines

How Should My Agency Handle Nonresponsive Separated/Divorced Individuals on a PAP?

An agent asks: I’m working on establishing a standard office procedure for our office when dealing w/ divorce and personal auto policies. At what point are we able to remove the other party? If the first named insured sends in a copy of the formal divorce decree, are we able to then proceed with removing…

The contract on the yellow table, notebook, glasses and pen.

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 the pastor’s PAP and the church is not listed as an additional insured. The pastor and his wife use the vehicle mostly for their personal…

White car on colored background. Model white retro toy car on orange background. Miniature car with copyspace.

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 storm that can cost you thousands (your E&O deductible).

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

In the Aftermath – An Agent’s Perspective on Disaster Preparedness & Recovery

This 36-page Big “I” Virtual University Risk & Reality Report was created by Danny Cook, an agent in Lumberton, North Carolina for more than 20 years. In October 2016, Hurricane Matthew devastated Lumberton with record setting rainfall and subsequent flooding, the likes of which the town had never seen before. Although touted to be a…

4 Key Personal & Commercial Lines Exposures

4 Key Personal & Commercial Lines Exposures Every Agent Must Understand – R&R Report This 44-page Big “I” Virtual University Risk & Reality Report was created by Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, Executive Director of the Big “I” Virtual University. Curious about current “disruptors”? This report covers a…

ISO’s 2018 Personal Auto Policy Changes

Insurance Services Office (ISO) filed 30 changes to its personal auto program effective September 1, 2018. Don’t find yourself behind the curve on the changes.

New Flood Insurance Manual

The National Flood Insurance Program (NFIP) updated its Flood Insurance Manual effective April 1, 2020. Following are links to the updated manual appendices.