| |  | | | Big 'I' Call to Action * Commercial General Liability * Condominium Issues * Commercial Property * Personal Auto Issues * Workers' Compensation * Insurance Laws and Statutes / Coverage Resources * Special Feature - Charting COVID |
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| | The Big 'I' is currently fielding survey responses for the 2020 AGENCY UNIVERSE STUDY which provides critical information for the Independent Agency System, for IIABA, and for insurance carriers. During these unprecedented times, your feedback is more important than ever, and in recognition of the importance of agent participation, the members of Future One will make a donation of $10 to Trusted Choice Disaster Relief Fund for each completed survey (up to $16,000 in total). In addition, you will be entered into a drawing for prizes totaling $3,500, including a $1,000 grand prize, two $500 second prizes, four $250 third prizes, and five $100 prizes. |
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| | Unlike the simple ISO HO policy, the ISO CGL policy has no specific professional liability exclusion. As a result, sometimes it can be difficult to determine whether a claimis an "occurrence" and covered by the CGL or an "act, error or omission" and not covered. In this article, we'll explore this issue and include a dynamite download from an attorney who has examined the legal precedents. |
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| | This article is about the often misunderstood exposure of discontinued operations. |
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| | “A traditional axiom of products liability law is that a manufacturer or supplier of goods has a duty to warn of any danger from the intended or unintended but reasonably foreseeable use of its products. This duty extends to those using or purchasing the product, as well as to those who could reasonably be expected to be harmed by its use.” But sometimes, manufacturers just go too far. |
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| | Watch this on-demand three-part series of 20-minute webinars free of charge now through December 3. |
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| | 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). |
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| | Protests, civil disobedience, riots, and looting followed the death of George Floyd under the knee of a Minneapolis police officer. Might the terrorism exclusion apply to any damage caused during these protests and ultimate riots? Answering this question is initially more difficult than it appears. |
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| | If your client has a mural on the inside or outside of the building, how do you cover it? Is it covered by the property policy? Is there any special wording in the proprietary form that provides coverage? Many agents don’t consider insuring a mural, but it could be a very expensive exposure for your insured. This video session explores the coverage needs of a mural. This article is a follow up to the video presentation on murals. |
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| | Property can be assigned many “values” depending on the purpose of the valuation and who is valuing it. But insurance is concerned with only four options: actual cash value, replacement cost, functional replacement cost and market value. |
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| | Your insured declines to purchase physical damage coverage because his vehicle “isn’t worth much” and “I’m a good driver.” His vehicle is totaled by another vehicle whose insurer denies liability. What now? |
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| | Test your knowledge of Personal Lines using this 10-question quiz. |
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| | An ISO PAP is issued to mom and dad for 4 autos, 3 owned by dad and 1 owned by an adult son. Mom and dad drive 2 of the autos. The adult son that owns one of the autos drives it and lives in a separate household. The 4th auto is owned by dad but driven by another adult son who lives in his own, separate household. Are there any coverage problems? |
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| | Your client decides to move its workers’ compensation coverage to a PEO, you need to know the answer to three questions: 1) What does the PEO do for my client? 2) How is my client’s work comp affected? 3) What information about PEOs and WC does my client need? |
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| | Threats of specific kinds of flu and pandemics garner heavy media attention. When any disease strain threatens a large geographic area, it gets lots of press as the next pandemic. When these stories begin airing, the question is often asked, “Is ‘the pandemic du jour’ compensable under workers’ compensation?” This article discusses what is required for an illness to be compensable under workers’ compensation. |
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| | Workers’ compensation, from a coverage standpoint, is the simplest coverage to understand and even explain. However, statutes and common laws serve to complicate the initial simplicity of workers’ compensation and complexity breeds errors. |
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| | You can download this Duty to Defend: What the Courts Say list organized by state for easy reference. |
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| | The US and the world are more than seven months into the COVID pandemic. News and reports from all sides create confusion and fear. This is a simple attempt to provide key information or data without opinion or commentary. The reader is required to draw his or her own conclusion from the data provided. |
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