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Virtual University

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Virtual University

The Virtual University is a smarter way to research and find answers to tough insurance questions. Our experts explore and explain real issues and policy coverage questions in four areas: commercial lines, personal lines, life/health and agency management. Users can also dive into talent recruitment, tips for starting an agency, checklists, state specific charts and much more. And if you can't find your solution, Ask an Expert and get a custom answer. Ask an Expert Your Tough Questions Answered. Webinars CE Available in Select States New Agent Training Basics and Beyond Basic.
COMMERCIAL LINES What Does an Agent Owe a Certificate Holder? Given the reality of the COI, its intended purpose and the parties to the various contracts related to a construction site, agents have very little duty to the certificate holder beyond honesty. 17 "Tests" to Decide: Employee or Independent Contractor Constant debate swirls around the difference between independent contractors and employees. Use these 17 "tests" to differentiate between a de facto employee and a true independent contractor. PERSONAL LINES Does the PAP Cover Engine Damage Due to Water in the Fuel? An engine stops running due to water in the fuel. Would this be covered? Our experts weigh in. Kids at College: Does ISO's Age Limitation Really Apply? Based on the dictionary meaning of "resident," is there really an age limitation on kids away at college? TALENT RECRUITMENT Find the Right Employee with Big I Hires Don't be overwhelmed by hiring a new employee. Lean on the Big "I" for help recruiting and retaining new talent. Check out the DIY tools or tap into IdealTraits for help with post jobs, assess skills and find the right candidate. AGENCY MANAGEMENT How Much Coverage Do I Need? Every professional agent knows to never answer the question, How much liability coverage do I need? But even if you dont overtly answer the question, you may be leading or limiting your clients choices. Getting Sued by Being Too Helpful: Stick to Your Expertise Insurance agents have a deep desire to help their clients any way they can; but sometime, agents undertake to help in ways and areas where they are not qualified (or licensed). Being too helpful can get you sued. VUPOINT NEWSLETTER The VU is a constantly evolving research area. Be the first to see what's new in the VU by subscribing to the VUpoint newsletter. Click here to read the latest issue.	MONTHLY LIGHTNING LEARNING PACKAGE Three 20-minute sessions in July tackle the insurance nightmare known as Condominuims. REGISTER RISK AND REALITY REPORTS Risk & Reality Reports are easy to read e-books that explain complex insurance issues simply, with topics ranging from certificates of insurance, commercial general liability, condominiums and more. VIEW TOPICS BEST PRACTICES STUDY Take a look into the briefcase of the top performing agencies in the U.S. and view key metrics and benchmarks critical to agency growth, success and perpetuation. LEARN MORE ON-DEMAND EDUCATION Commercial General Liability Advanced Liability Issues Commercial Property Condominiums Business Auto Personal Auto Certificates of Insurance Workers' Compensation Homeowners Business Income Improved Agency Performance Why Turn to the Big I? New Agent Training