Occupational Illness and Compensability
Workers’ compensation coverage responds only to an injury or illness defined as occupational. To be occupational and compensable requires certain tests be satisfied. Three key tests must be satisfied before…
VU Resources
Understanding the Basics of Property Protection in COPE Underwriting
Property underwriters analyze essentially the same information today as was reviewed 400 years ago. Although technology has changed, the basics of property underwriting has not changed. The four primary factors…
If the Nashville Bombing is Considered a “Terrorist” Act, Does that Trigger the Terrorism Exclusion?
Christmas Day 2020 saw Nashville, TN rocked by an explosion. Were these the acts of a terrorist? Might these acts trigger the terrorism exclusions?
Changes to ISO’s Auto Dealer Coverage Form
Insurance Services Office (ISO) recently introduced several changes to its Auto Dealer Coverage Form (CA 00 25) with a November 2020 edition date and a proposed effective date of December…
Changes to ISO’s Business Auto Coverage Form
Insurance Services Office (ISO) recently introduced several changes to the Business Auto Coverage Form (CA 00 01) with a November 2020 edition date and a proposed effective date of December…
One (or Two) Key Property Loss Provision(s) Attorneys Keep Forgetting
Plaintiff’s attorneys are looking for any and every means possible to trigger business income coverage from COVID-related shutdowns. One method is asserting that the presence of a virus on surfaces…
Commercial General Liability & Business Auto Policy Quiz
Test your knowledge of the CGL and BAP with this short 10-question quiz.
Strength in Numbers: How Cyber Insurers Can Improve Their Market View
ISO brings an interesting perspective to pricing Cyber coverage; specifically, that Cyber carriers don’t have enough individualized data to accurately price coverage. Data, it’s all about data.
ISO Business Auto Form and Endorsement Revisions
ISO’s most recent BAP multistate filing includes 19 NEW endorsements. Effective 11/1/2020, many of these endorsements are the result of Big I’s Technical Affairs Committee and cover gaps that have…
Employee or Independent Contractor
Classifying a worker as either an “employee” or “independent contractor” is problematic for more than just workers’ compensation. In an attempt to minimize the problems and confusion, the Department of…
