VU Resources

Employee Theft of Customers’ Property

Employee theft coverage can easily be written under standard ISO crime forms or an employee fidelity bond. However, crime policies cover only theft of the insured’s property by employees. Another…

Data Center with 4 rows of servers and white floor

Flood

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Is Flood Insurance Mandatory for Public Entities? Yes and No…

At several conferences, I have asked what procedures risk managers and insurance brokers were using to identify all flood zone properties so as to avoid the Federal disaster relief penalties.…

High and fast water rising in Bayou River with downtown Houston in background under cloud blue sky. Heavy rains from Harvey Tropical Hurricane storm caused many flooded areas in greater Houston area.

Liability: Not All Countries Are Created Equal

Increasingly U.S. businesses find themselves in a global marketplace. This no longer applies to just huge, multi-national corporations. Your “mom and pop” insureds may very well fulfill orders from their…

Adult, Business, Businessman, Computer,Search

Three Myths About War and Terrorism Risks

“War and terrorism risks” are among the most severe issues facing organizations doing business outside the United States and, with an increasingly global economy and internet sales, more and more…

Planet globe earth burning in fire on a white background. natural disasters, global warming concept.

Perception is Reality

An increase in rates/premiums has been predicted for a while, though not yet widespread. But, there is evidence that the time is coming. Don’t let your insureds be blindsided. In…

Business growth concept. Financial report with graphs and arrow.

Reporting Underlying Claims to the Umbrella Carrier

An agent writes, “We seem to have some major disagreement within the office here as to whether a GL loss should be reported to the excess carrier. A few people feel…

House, car, money icons under a red umbrella for insurance protection concept

If the BOP Fits, DON’T Wear It!

Below is an “Ask an Expert” question we received involving a Business Owners Policy. While we attempted to address the coverage issues raised from the standpoint of the BOP, it…

CGL

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