Ordinance or Law: When and Why Partial Losses Become Total Losses
We do a bad job of explaining the concept of "replacement cost" and tend to tell clients they'll get new stuff for old junk. This may be partially true, but partial truths can and do get you sued. (Table of Contents)

Business Income: The Key Concepts for Business Income Excellence
Business income is the most undersold property coverage because it is the most misunderstood. In reality, Business Income is quite easy to understand once these key concepts are explained. (Table of Contents)

Business Income: Are You Sure You Protected ALL the Insurable Income?
Learn how to complete the business income worksheet (CP 15 15), a worksheet that has frightened insurance practitioners for decades. (Table of Contents)