VU Resources

Preparing a Winning Underwriting Submission

While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However,…

How to Properly Position an Agency When Planning to Borrow from a Bank

Unlike “traditional” businesses, an insurance agency has a unique business model with low capital requirements and no significant working capital needs. But when capital is needed to seize an opportunity,…

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

Certificates of Insurance: The Good, the Bad, and the Ugly!

The proper issuance of certificates of insurance is a common problem facing agents, whether they’ve been in the business for decades or they’re just entering the industry. This article provides…

sign of two directions

Round Out Your Accounts with a Business Owners Policy

A few recent articles highlight how many Americans, especially Millennials, supplement their income with side gigs. A side gig is work people start in addition to their main jobs. Side…

Different modern devices on color background

Back to Basics – Why is the Insurance Industry Regulated?

You may wonder why the insurance industry is so heavily regulated. Let’s take a look at the main reasons the states regulate insurance. Because business owners, the economy and industry…

Paper contract form with a signature about to be signed on a signature field.

Habitational Hot Mess

The habitational market struggles with a lack of capacity, increasing non-renewals, higher deductibles and restricted underwriting. How can the industry adapt to this hard market? This article covers current habitational…

Exterior view of modern apartment building offering luxury rental units in Silicon Valley; Livermore, East San Francisco bay area, California

Back to Basics – Financial Terms Commercial Insurance Professionals Need to Know

As you handle more complicated commercial accounts, you’ll need to understand some often-used financial terms. Whether you’re furnishing your commercial insured’s financial data for underwriting or renewal or responding to…

Property investment, home loan, reverse mortgage, Business and financial, Saving money concept. Plant growth on stack of coins with a small house model on wood table.

Back to Basics – What is the Business Owners Policy?

The business owners policy (BOP) is one of the most widely used commercial insurance policies designed to protect small-to-medium sized business owners. While the Insurance Services Office ISO form is…

Paper contract form with a signature about to be signed on a signature field.

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