VU Resources

Selling Business Income Insurance

In 2003, Safeco published the results of a survey of small business owners indicating that over half of them do not have business income coverage. Why do so many businesses…

An analyst uses a computer and dashboard for data business analysis and Data Management System with KPI and metrics connected to the database for technology finance, operations, sales, marketing

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Business Auto Coverage for Nonowned Trailers

Question: “The commercial auto policy automatically includes coverage for a trailer pulled by that vehicle so long as the GVW is under 2,000 lbs. Many insureds have trailers titled in…

Contact with Animal NOT a Collision?

A Business Auto Policy was written with Collision and Specified Causes of Loss coverage. The insured struck a deer and the adjuster denied the claim on the basis that, since…

Is Sales Tax Covered by an Auto Policy?

Your insured’s auto is totaled by a negligent driver. The at-fault party’s insurer has agreed to compensate your insured’s loss of value. However, in purchasing a replacement vehicle, the insurer…

Car and piggy bank budget. Financing, auto tax, insurance and car loans, savings concept.

Business Income and Cancellation of Contracts

An entertainment center generates much of its income from the many contracts it has with various groups. If there was a major loss and the groups cancelled their contracts and…

friendship, teamwork and people concept - group of international men and women with hands on top of each other

Understanding the Business Income Monthly Limit of Indemnity Option

The ISO Business Income program has a Monthly Limit of Indemnity option that allows the entry of factors of 1/3, 1/4, or 1/6 on the declarations page. Does this mean…

Predictive analytics, data visualization, business forecasting concept. Data analytics for continuous improvement and business development. Predictions about future outcomes and performance.

Net Income vs. Continuing Expenses

Business income insurance covers net income and continuing expenses while a business is interrupted due to a covered loss. What if the business would have been operating at a financial…

Business Income and Civil Authority Curfews

An ice and windstorm shut down a 24-hour restaurant due to off-premises power failure. The power was restored fairly quickly but a 6 p.m. to 6 a.m. curfew was imposed…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

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