VU Resources

And You Call Yourself an Expert!

True experts worry more about what they don’t know than what they do know, continually looking for ways to fill their knowledge gap. Self-proclaimed experts ignore the breadth of what…

A Single-Payer System and the Independent Agent

As the presidential race cranks up you will hear more and more Medicare for all, a.k.a. the single payer plan. What you won’t hear much about are the ramifications that…

Have You Complied with the DOL’s New Overtime Rules?

Beginning January 1, 2020, the Department of Labor enacted new rules regarding exempt and non-exempt employees; has your agency complied with the new rules? IIABA’s Government Affairs teamed with Big…

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ACORD Form Access Limited

Most agents have historically accessed ACORD forms via their agency management systems or other ACORD-authorized third-party forms redistributors. This changed on January 1, 2020, when ACORD began charging all users…

“Dagger” or Plus Symbol Classes: What They Mean

Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.

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Insurance Premiums Versus the Total Cost of Risk

Six “costs” in addition to the premium combine to develop the insured’s true total cost of risk: 1) Deductibles or Self-Insured Retentions; 2) The cost of uninsured or self-insured losses…

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The Insurer of the Future

The Digital Transformation of the Insurance industry is underway. Technologies such as the Internet of Things, Big Data Analytics, Robotics and Artificial Intelligence are already making an impact. But where…

Worldly and Not-So-Worldly Wisdom

As I progress in my career and in life, I work to be more intentional about learning life’s lessons. A lot of what I learn comes from my own warped…

Legal Terms Every Agent Should Know

Because agents work in a contract-based industry subject to many legal concepts, understanding specific legal terms is necessary.

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